EMI vs SIP for ₹3,500,000
12 Years @ 12%
Original Plan
12 Years @ 12%
EMI: ₹ 45,970
Extended Plan
17 Years (Reduced EMI)
EMI: ₹ 40,293
Monthly Savings
₹ 5,677
SIP Investment
@ 12% for 17 years
₹ 3,791,871
Extra Interest Paid
₹ 1,600,046
Final Outcome
₹ 2,191,825
Profit from SIP strategy
Analysis
For ₹3,500,000 loan at 12%, investing savings can generate ₹3,791,871.
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