EMI vs SIP for ₹3,400,000
27 Years @ 12%
Original Plan
27 Years @ 12%
EMI: ₹ 35,409
Extended Plan
32 Years (Reduced EMI)
EMI: ₹ 34,762
Monthly Savings
₹ 648
SIP Investment
@ 12% for 32 years
₹ 2,920,781
Extra Interest Paid
₹ 1,875,830
Final Outcome
₹ 1,044,952
Profit from SIP strategy
Analysis
For ₹3,400,000 loan at 12%, investing savings can generate ₹2,920,781.
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