EMI vs SIP for ₹3,600,000
29 Years @ 12%
Original Plan
29 Years @ 12%
EMI: ₹ 37,165
Extended Plan
34 Years (Reduced EMI)
EMI: ₹ 36,632
Monthly Savings
₹ 533
SIP Investment
@ 12% for 34 years
₹ 3,065,599
Extra Interest Paid
₹ 2,012,479
Final Outcome
₹ 1,053,120
Profit from SIP strategy
Analysis
For ₹3,600,000 loan at 12%, investing savings can generate ₹3,065,599.
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