EMI vs SIP for ₹3,500,000

30 Years @ 7%

Original Plan

30 Years @ 7%

EMI: ₹ 23,286

Extended Plan

35 Years (Reduced EMI)

EMI: ₹ 22,360

Monthly Savings

₹ 926

SIP Investment

@ 12% for 35 years

₹ 6,012,117

Extra Interest Paid

₹ 1,008,377

Final Outcome

₹ 5,003,740

Profit from SIP strategy

Analysis

For ₹3,500,000 loan at 7%, investing savings can generate ₹6,012,117.

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