EMI vs SIP for ₹3,400,000
26 Years @ 12%
Original Plan
26 Years @ 12%
EMI: ₹ 35,596
Extended Plan
31 Years (Reduced EMI)
EMI: ₹ 34,861
Monthly Savings
₹ 736
SIP Investment
@ 12% for 31 years
₹ 2,936,216
Extra Interest Paid
₹ 1,862,058
Final Outcome
₹ 1,074,158
Profit from SIP strategy
Analysis
For ₹3,400,000 loan at 12%, investing savings can generate ₹2,936,216.
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