EMI vs SIP for ₹3,500,000

11 Years @ 12%

Original Plan

11 Years @ 12%

EMI: ₹ 47,873

Extended Plan

16 Years (Reduced EMI)

EMI: ₹ 41,080

Monthly Savings

₹ 6,792

SIP Investment

@ 12% for 16 years

₹ 3,948,835

Extra Interest Paid

₹ 1,568,253

Final Outcome

₹ 2,380,582

Profit from SIP strategy

Analysis

For ₹3,500,000 loan at 12%, investing savings can generate ₹3,948,835.

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