EMI vs SIP for ₹3,500,000
30 Years @ 12%
Original Plan
30 Years @ 12%
EMI: ₹ 36,001
Extended Plan
35 Years (Reduced EMI)
EMI: ₹ 35,544
Monthly Savings
₹ 457
SIP Investment
@ 12% for 35 years
₹ 2,969,628
Extra Interest Paid
₹ 1,968,063
Final Outcome
₹ 1,001,565
Profit from SIP strategy
Analysis
For ₹3,500,000 loan at 12%, investing savings can generate ₹2,969,628.
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