EMI vs SIP for ₹3,500,000
21 Years @ 9%
Original Plan
21 Years @ 9%
EMI: ₹ 30,960
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 29,075
Monthly Savings
₹ 1,885
SIP Investment
@ 12% for 26 years
₹ 4,054,883
Extra Interest Paid
₹ 1,269,495
Final Outcome
₹ 2,785,389
Profit from SIP strategy
Analysis
For ₹3,500,000 loan at 9%, investing savings can generate ₹4,054,883.
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