EMI vs SIP for ₹3,600,000

11 Years @ 7%

Original Plan

11 Years @ 7%

EMI: ₹ 39,183

Extended Plan

16 Years (Reduced EMI)

EMI: ₹ 31,219

Monthly Savings

₹ 7,963

SIP Investment

@ 12% for 16 years

₹ 4,629,674

Extra Interest Paid

₹ 822,017

Final Outcome

₹ 3,807,657

Profit from SIP strategy

Analysis

For ₹3,600,000 loan at 7%, investing savings can generate ₹4,629,674.

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