EMI vs SIP for ₹3,400,000

29 Years @ 7%

Original Plan

29 Years @ 7%

EMI: ₹ 22,852

Extended Plan

34 Years (Reduced EMI)

EMI: ₹ 21,872

Monthly Savings

₹ 981

SIP Investment

@ 12% for 34 years

₹ 5,642,474

Extra Interest Paid

₹ 970,974

Final Outcome

₹ 4,671,500

Profit from SIP strategy

Analysis

For ₹3,400,000 loan at 7%, investing savings can generate ₹5,642,474.

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