EMI vs SIP for ₹3,500,000

7 Years @ 12%

Original Plan

7 Years @ 12%

EMI: ₹ 61,785

Extended Plan

12 Years (Reduced EMI)

EMI: ₹ 45,970

Monthly Savings

₹ 15,815

SIP Investment

@ 12% for 12 years

₹ 5,096,384

Extra Interest Paid

₹ 1,429,729

Final Outcome

₹ 3,666,655

Profit from SIP strategy

Analysis

For ₹3,500,000 loan at 12%, investing savings can generate ₹5,096,384.

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