EMI vs SIP for ₹3,200,000

26 Years @ 11%

Original Plan

26 Years @ 11%

EMI: ₹ 31,140

Extended Plan

31 Years (Reduced EMI)

EMI: ₹ 30,352

Monthly Savings

₹ 788

SIP Investment

@ 12% for 31 years

₹ 3,145,144

Extra Interest Paid

₹ 1,575,203

Final Outcome

₹ 1,569,942

Profit from SIP strategy

Analysis

For ₹3,200,000 loan at 11%, investing savings can generate ₹3,145,144.

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