EMI vs SIP for ₹3,600,000

26 Years @ 9%

Original Plan

26 Years @ 9%

EMI: ₹ 29,906

Extended Plan

31 Years (Reduced EMI)

EMI: ₹ 28,787

Monthly Savings

₹ 1,119

SIP Investment

@ 12% for 31 years

₹ 4,466,979

Extra Interest Paid

₹ 1,377,935

Final Outcome

₹ 3,089,044

Profit from SIP strategy

Analysis

For ₹3,600,000 loan at 9%, investing savings can generate ₹4,466,979.

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