EMI vs SIP for ₹3,500,000

7 Years @ 10%

Original Plan

7 Years @ 10%

EMI: ₹ 58,104

Extended Plan

12 Years (Reduced EMI)

EMI: ₹ 41,828

Monthly Savings

₹ 16,276

SIP Investment

@ 12% for 12 years

₹ 5,245,107

Extra Interest Paid

₹ 1,142,446

Final Outcome

₹ 4,102,661

Profit from SIP strategy

Analysis

For ₹3,500,000 loan at 10%, investing savings can generate ₹5,245,107.

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₹30L Loan for 21 years at 12% vs SIP ₹41L Loan for 8 years at 8% vs SIP ₹52L Loan for 13 years at 9% vs SIP ₹19L Loan for 22 years at 7% vs SIP ₹6L Loan for 17 years at 8% vs SIP ₹78L Loan for 10 years at 11% vs SIP
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