EMI vs SIP for ₹3,700,000

19 Years @ 10%

Original Plan

19 Years @ 10%

EMI: ₹ 36,307

Extended Plan

24 Years (Reduced EMI)

EMI: ₹ 33,943

Monthly Savings

₹ 2,363

SIP Investment

@ 12% for 24 years

₹ 3,952,889

Extra Interest Paid

₹ 1,497,794

Final Outcome

₹ 2,455,095

Profit from SIP strategy

Analysis

For ₹3,700,000 loan at 10%, investing savings can generate ₹3,952,889.

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