EMI vs SIP for ₹3,500,000

7 Years @ 7%

Original Plan

7 Years @ 7%

EMI: ₹ 52,824

Extended Plan

12 Years (Reduced EMI)

EMI: ₹ 35,993

Monthly Savings

₹ 16,831

SIP Investment

@ 12% for 12 years

₹ 5,423,840

Extra Interest Paid

₹ 745,793

Final Outcome

₹ 4,678,047

Profit from SIP strategy

Analysis

For ₹3,500,000 loan at 7%, investing savings can generate ₹5,423,840.

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