EMI vs SIP for ₹3,500,000
29 Years @ 12%
Original Plan
29 Years @ 12%
EMI: ₹ 36,133
Extended Plan
34 Years (Reduced EMI)
EMI: ₹ 35,614
Monthly Savings
₹ 518
SIP Investment
@ 12% for 34 years
₹ 2,980,443
Extra Interest Paid
₹ 1,956,577
Final Outcome
₹ 1,023,867
Profit from SIP strategy
Analysis
For ₹3,500,000 loan at 12%, investing savings can generate ₹2,980,443.
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