EMI vs SIP for ₹3,600,000
15 Years @ 12%
Original Plan
15 Years @ 12%
EMI: ₹ 43,206
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 39,639
Monthly Savings
₹ 3,567
SIP Investment
@ 12% for 20 years
₹ 3,563,910
Extra Interest Paid
₹ 1,736,295
Final Outcome
₹ 1,827,615
Profit from SIP strategy
Analysis
For ₹3,600,000 loan at 12%, investing savings can generate ₹3,563,910.
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