EMI vs SIP for ₹3,500,000
26 Years @ 7%
Original Plan
26 Years @ 7%
EMI: ₹ 24,389
Extended Plan
31 Years (Reduced EMI)
EMI: ₹ 23,067
Monthly Savings
₹ 1,322
SIP Investment
@ 12% for 31 years
₹ 5,276,305
Extra Interest Paid
₹ 971,483
Final Outcome
₹ 4,304,822
Profit from SIP strategy
Analysis
For ₹3,500,000 loan at 7%, investing savings can generate ₹5,276,305.
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