EMI vs SIP for ₹3,500,000

9 Years @ 12%

Original Plan

9 Years @ 12%

EMI: ₹ 53,145

Extended Plan

14 Years (Reduced EMI)

EMI: ₹ 43,100

Monthly Savings

₹ 10,045

SIP Investment

@ 12% for 14 years

₹ 4,383,723

Extra Interest Paid

₹ 1,501,166

Final Outcome

₹ 2,882,557

Profit from SIP strategy

Analysis

For ₹3,500,000 loan at 12%, investing savings can generate ₹4,383,723.

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