EMI vs SIP for ₹3,600,000
8 Years @ 12%
Original Plan
8 Years @ 12%
EMI: ₹ 58,510
Extended Plan
13 Years (Reduced EMI)
EMI: ₹ 45,672
Monthly Savings
₹ 12,838
SIP Investment
@ 12% for 13 years
₹ 4,826,296
Extra Interest Paid
₹ 1,507,847
Final Outcome
₹ 3,318,449
Profit from SIP strategy
Analysis
For ₹3,600,000 loan at 12%, investing savings can generate ₹4,826,296.
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