EMI vs SIP for ₹3,200,000

27 Years @ 9%

Original Plan

27 Years @ 9%

EMI: ₹ 26,340

Extended Plan

32 Years (Reduced EMI)

EMI: ₹ 25,444

Monthly Savings

₹ 896

SIP Investment

@ 12% for 32 years

₹ 4,041,704

Extra Interest Paid

₹ 1,236,220

Final Outcome

₹ 2,805,485

Profit from SIP strategy

Analysis

For ₹3,200,000 loan at 9%, investing savings can generate ₹4,041,704.

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