EMI vs SIP for ₹3,600,000
26 Years @ 7%
Original Plan
26 Years @ 7%
EMI: ₹ 25,086
Extended Plan
31 Years (Reduced EMI)
EMI: ₹ 23,726
Monthly Savings
₹ 1,360
SIP Investment
@ 12% for 31 years
₹ 5,427,056
Extra Interest Paid
₹ 999,239
Final Outcome
₹ 4,427,817
Profit from SIP strategy
Analysis
For ₹3,600,000 loan at 7%, investing savings can generate ₹5,427,056.
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