EMI vs SIP for ₹3,600,000
13 Years @ 9%
Original Plan
13 Years @ 9%
EMI: ₹ 39,228
Extended Plan
18 Years (Reduced EMI)
EMI: ₹ 33,712
Monthly Savings
₹ 5,516
SIP Investment
@ 12% for 18 years
₹ 4,222,534
Extra Interest Paid
₹ 1,162,149
Final Outcome
₹ 3,060,384
Profit from SIP strategy
Analysis
For ₹3,600,000 loan at 9%, investing savings can generate ₹4,222,534.
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