EMI vs SIP for ₹3,700,000
26 Years @ 12%
Original Plan
26 Years @ 12%
EMI: ₹ 38,737
Extended Plan
31 Years (Reduced EMI)
EMI: ₹ 37,936
Monthly Savings
₹ 801
SIP Investment
@ 12% for 31 years
₹ 3,195,294
Extra Interest Paid
₹ 2,026,358
Final Outcome
₹ 1,168,937
Profit from SIP strategy
Analysis
For ₹3,700,000 loan at 12%, investing savings can generate ₹3,195,294.
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