EMI vs SIP for ₹3,500,000
17 Years @ 12%
Original Plan
17 Years @ 12%
EMI: ₹ 40,293
Extended Plan
22 Years (Reduced EMI)
EMI: ₹ 37,728
Monthly Savings
₹ 2,565
SIP Investment
@ 12% for 22 years
₹ 3,323,586
Extra Interest Paid
₹ 1,740,472
Final Outcome
₹ 1,583,114
Profit from SIP strategy
Analysis
For ₹3,500,000 loan at 12%, investing savings can generate ₹3,323,586.
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