EMI vs SIP for ₹3,600,000
24 Years @ 7%
Original Plan
24 Years @ 7%
EMI: ₹ 25,839
Extended Plan
29 Years (Reduced EMI)
EMI: ₹ 24,197
Monthly Savings
₹ 1,643
SIP Investment
@ 12% for 29 years
₹ 5,127,164
Extra Interest Paid
₹ 978,714
Final Outcome
₹ 4,148,450
Profit from SIP strategy
Analysis
For ₹3,600,000 loan at 7%, investing savings can generate ₹5,127,164.
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