EMI vs SIP for ₹3,200,000

15 Years @ 10%

Original Plan

15 Years @ 10%

EMI: ₹ 34,387

Extended Plan

20 Years (Reduced EMI)

EMI: ₹ 30,881

Monthly Savings

₹ 3,507

SIP Investment

@ 12% for 20 years

₹ 3,503,683

Extra Interest Paid

₹ 1,221,641

Final Outcome

₹ 2,282,042

Profit from SIP strategy

Analysis

For ₹3,200,000 loan at 10%, investing savings can generate ₹3,503,683.

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