EMI vs SIP for ₹3,600,000
21 Years @ 9%
Original Plan
21 Years @ 9%
EMI: ₹ 31,845
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 29,906
Monthly Savings
₹ 1,939
SIP Investment
@ 12% for 26 years
₹ 4,170,737
Extra Interest Paid
₹ 1,305,766
Final Outcome
₹ 2,864,971
Profit from SIP strategy
Analysis
For ₹3,600,000 loan at 9%, investing savings can generate ₹4,170,737.
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