EMI vs SIP for ₹3,600,000
13 Years @ 12%
Original Plan
13 Years @ 12%
EMI: ₹ 45,672
Extended Plan
18 Years (Reduced EMI)
EMI: ₹ 40,750
Monthly Savings
₹ 4,922
SIP Investment
@ 12% for 18 years
₹ 3,767,316
Extra Interest Paid
₹ 1,677,217
Final Outcome
₹ 2,090,099
Profit from SIP strategy
Analysis
For ₹3,600,000 loan at 12%, investing savings can generate ₹3,767,316.
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