EMI vs SIP for ₹3,500,000
6 Years @ 12%
Original Plan
6 Years @ 12%
EMI: ₹ 68,426
Extended Plan
11 Years (Reduced EMI)
EMI: ₹ 47,873
Monthly Savings
₹ 20,553
SIP Investment
@ 12% for 11 years
₹ 5,644,185
Extra Interest Paid
₹ 1,392,531
Final Outcome
₹ 4,251,654
Profit from SIP strategy
Analysis
For ₹3,500,000 loan at 12%, investing savings can generate ₹5,644,185.
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