EMI vs SIP for ₹3,600,000

15 Years @ 10%

Original Plan

15 Years @ 10%

EMI: ₹ 38,686

Extended Plan

20 Years (Reduced EMI)

EMI: ₹ 34,741

Monthly Savings

₹ 3,945

SIP Investment

@ 12% for 20 years

₹ 3,941,644

Extra Interest Paid

₹ 1,374,346

Final Outcome

₹ 2,567,298

Profit from SIP strategy

Analysis

For ₹3,600,000 loan at 10%, investing savings can generate ₹3,941,644.

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