EMI vs SIP for ₹3,600,000
26 Years @ 12%
Original Plan
26 Years @ 12%
EMI: ₹ 37,690
Extended Plan
31 Years (Reduced EMI)
EMI: ₹ 36,911
Monthly Savings
₹ 779
SIP Investment
@ 12% for 31 years
₹ 3,108,935
Extra Interest Paid
₹ 1,971,591
Final Outcome
₹ 1,137,344
Profit from SIP strategy
Analysis
For ₹3,600,000 loan at 12%, investing savings can generate ₹3,108,935.
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