EMI vs SIP for ₹3,600,000
25 Years @ 12%
Original Plan
25 Years @ 12%
EMI: ₹ 37,916
Extended Plan
30 Years (Reduced EMI)
EMI: ₹ 37,030
Monthly Savings
₹ 886
SIP Investment
@ 12% for 30 years
₹ 3,127,559
Extra Interest Paid
₹ 1,955,999
Final Outcome
₹ 1,171,560
Profit from SIP strategy
Analysis
For ₹3,600,000 loan at 12%, investing savings can generate ₹3,127,559.
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