EMI vs SIP for ₹3,400,000
16 Years @ 12%
Original Plan
16 Years @ 12%
EMI: ₹ 39,907
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 37,016
Monthly Savings
₹ 2,891
SIP Investment
@ 12% for 21 years
₹ 3,291,755
Extra Interest Paid
₹ 1,665,901
Final Outcome
₹ 1,625,854
Profit from SIP strategy
Analysis
For ₹3,400,000 loan at 12%, investing savings can generate ₹3,291,755.
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