EMI vs SIP for ₹3,500,000
22 Years @ 7%
Original Plan
22 Years @ 7%
EMI: ₹ 26,020
Extended Plan
27 Years (Reduced EMI)
EMI: ₹ 24,074
Monthly Savings
₹ 1,946
SIP Investment
@ 12% for 27 years
₹ 4,742,671
Extra Interest Paid
₹ 930,583
Final Outcome
₹ 3,812,088
Profit from SIP strategy
Analysis
For ₹3,500,000 loan at 7%, investing savings can generate ₹4,742,671.
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