EMI vs SIP for ₹3,600,000
11 Years @ 12%
Original Plan
11 Years @ 12%
EMI: ₹ 49,240
Extended Plan
16 Years (Reduced EMI)
EMI: ₹ 42,254
Monthly Savings
₹ 6,986
SIP Investment
@ 12% for 16 years
₹ 4,061,659
Extra Interest Paid
₹ 1,613,060
Final Outcome
₹ 2,448,599
Profit from SIP strategy
Analysis
For ₹3,600,000 loan at 12%, investing savings can generate ₹4,061,659.
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