EMI vs SIP for ₹3,600,000
16 Years @ 7%
Original Plan
16 Years @ 7%
EMI: ₹ 31,219
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 27,305
Monthly Savings
₹ 3,915
SIP Investment
@ 12% for 21 years
₹ 4,457,348
Extra Interest Paid
₹ 886,714
Final Outcome
₹ 3,570,635
Profit from SIP strategy
Analysis
For ₹3,600,000 loan at 7%, investing savings can generate ₹4,457,348.
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