EMI vs SIP for ₹3,600,000

28 Years @ 9%

Original Plan

28 Years @ 9%

EMI: ₹ 29,387

Extended Plan

33 Years (Reduced EMI)

EMI: ₹ 28,477

Monthly Savings

₹ 910

SIP Investment

@ 12% for 33 years

₹ 4,633,138

Extra Interest Paid

₹ 1,403,034

Final Outcome

₹ 3,230,104

Profit from SIP strategy

Analysis

For ₹3,600,000 loan at 9%, investing savings can generate ₹4,633,138.

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