EMI vs SIP for ₹3,500,000
15 Years @ 12%
Original Plan
15 Years @ 12%
EMI: ₹ 42,006
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 38,538
Monthly Savings
₹ 3,468
SIP Investment
@ 12% for 20 years
₹ 3,464,913
Extra Interest Paid
₹ 1,688,065
Final Outcome
₹ 1,776,848
Profit from SIP strategy
Analysis
For ₹3,500,000 loan at 12%, investing savings can generate ₹3,464,913.
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