EMI vs SIP for ₹3,600,000

10 Years @ 9%

Original Plan

10 Years @ 9%

EMI: ₹ 45,603

Extended Plan

15 Years (Reduced EMI)

EMI: ₹ 36,514

Monthly Savings

₹ 9,090

SIP Investment

@ 12% for 15 years

₹ 4,586,435

Extra Interest Paid

₹ 1,100,054

Final Outcome

₹ 3,486,381

Profit from SIP strategy

Analysis

For ₹3,600,000 loan at 9%, investing savings can generate ₹4,586,435.

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