EMI vs SIP for ₹3,600,000
13 Years @ 7%
Original Plan
13 Years @ 7%
EMI: ₹ 35,211
Extended Plan
18 Years (Reduced EMI)
EMI: ₹ 29,358
Monthly Savings
₹ 5,853
SIP Investment
@ 12% for 18 years
₹ 4,479,803
Extra Interest Paid
₹ 848,481
Final Outcome
₹ 3,631,322
Profit from SIP strategy
Analysis
For ₹3,600,000 loan at 7%, investing savings can generate ₹4,479,803.
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