EMI vs SIP for ₹3,600,000
24 Years @ 12%
Original Plan
24 Years @ 12%
EMI: ₹ 38,174
Extended Plan
29 Years (Reduced EMI)
EMI: ₹ 37,165
Monthly Savings
₹ 1,009
SIP Investment
@ 12% for 29 years
₹ 3,148,814
Extra Interest Paid
₹ 1,939,352
Final Outcome
₹ 1,209,462
Profit from SIP strategy
Analysis
For ₹3,600,000 loan at 12%, investing savings can generate ₹3,148,814.
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