EMI vs SIP for ₹3,600,000
12 Years @ 7%
Original Plan
12 Years @ 7%
EMI: ₹ 37,022
Extended Plan
17 Years (Reduced EMI)
EMI: ₹ 30,228
Monthly Savings
₹ 6,794
SIP Investment
@ 12% for 17 years
₹ 4,537,811
Extra Interest Paid
₹ 835,340
Final Outcome
₹ 3,702,471
Profit from SIP strategy
Analysis
For ₹3,600,000 loan at 7%, investing savings can generate ₹4,537,811.
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