EMI vs SIP for ₹3,600,000
16 Years @ 12%
Original Plan
16 Years @ 12%
EMI: ₹ 42,254
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 39,193
Monthly Savings
₹ 3,061
SIP Investment
@ 12% for 21 years
₹ 3,485,388
Extra Interest Paid
₹ 1,763,895
Final Outcome
₹ 1,721,492
Profit from SIP strategy
Analysis
For ₹3,600,000 loan at 12%, investing savings can generate ₹3,485,388.
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