EMI vs SIP for ₹3,300,000

27 Years @ 12%

Original Plan

27 Years @ 12%

EMI: ₹ 34,368

Extended Plan

32 Years (Reduced EMI)

EMI: ₹ 33,739

Monthly Savings

₹ 629

SIP Investment

@ 12% for 32 years

₹ 2,834,876

Extra Interest Paid

₹ 1,820,658

Final Outcome

₹ 1,014,218

Profit from SIP strategy

Analysis

For ₹3,300,000 loan at 12%, investing savings can generate ₹2,834,876.

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