EMI vs SIP for ₹3,500,000
8 Years @ 12%
Original Plan
8 Years @ 12%
EMI: ₹ 56,885
Extended Plan
13 Years (Reduced EMI)
EMI: ₹ 44,403
Monthly Savings
₹ 12,482
SIP Investment
@ 12% for 13 years
₹ 4,692,232
Extra Interest Paid
₹ 1,465,963
Final Outcome
₹ 3,226,270
Profit from SIP strategy
Analysis
For ₹3,500,000 loan at 12%, investing savings can generate ₹4,692,232.
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