EMI vs SIP for ₹3,600,000
22 Years @ 7%
Original Plan
22 Years @ 7%
EMI: ₹ 26,763
Extended Plan
27 Years (Reduced EMI)
EMI: ₹ 24,761
Monthly Savings
₹ 2,002
SIP Investment
@ 12% for 27 years
₹ 4,878,176
Extra Interest Paid
₹ 957,171
Final Outcome
₹ 3,921,005
Profit from SIP strategy
Analysis
For ₹3,600,000 loan at 7%, investing savings can generate ₹4,878,176.
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