EMI vs SIP for ₹3,200,000

23 Years @ 7%

Original Plan

23 Years @ 7%

EMI: ₹ 23,357

Extended Plan

28 Years (Reduced EMI)

EMI: ₹ 21,747

Monthly Savings

₹ 1,610

SIP Investment

@ 12% for 28 years

₹ 4,441,154

Extra Interest Paid

₹ 860,505

Final Outcome

₹ 3,580,649

Profit from SIP strategy

Analysis

For ₹3,200,000 loan at 7%, investing savings can generate ₹4,441,154.

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