EMI vs SIP for ₹3,600,000
21 Years @ 7%
Original Plan
21 Years @ 7%
EMI: ₹ 27,305
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 25,086
Monthly Savings
₹ 2,219
SIP Investment
@ 12% for 26 years
₹ 4,772,951
Extra Interest Paid
₹ 946,024
Final Outcome
₹ 3,826,926
Profit from SIP strategy
Analysis
For ₹3,600,000 loan at 7%, investing savings can generate ₹4,772,951.
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