EMI vs SIP for ₹3,600,000
13 Years @ 10%
Original Plan
13 Years @ 10%
EMI: ₹ 41,323
Extended Plan
18 Years (Reduced EMI)
EMI: ₹ 35,994
Monthly Savings
₹ 5,328
SIP Investment
@ 12% for 18 years
₹ 4,078,381
Extra Interest Paid
₹ 1,328,470
Final Outcome
₹ 2,749,912
Profit from SIP strategy
Analysis
For ₹3,600,000 loan at 10%, investing savings can generate ₹4,078,381.
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