EMI vs SIP for ₹3,600,000
15 Years @ 9%
Original Plan
15 Years @ 9%
EMI: ₹ 36,514
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 32,390
Monthly Savings
₹ 4,123
SIP Investment
@ 12% for 20 years
₹ 4,119,949
Extra Interest Paid
₹ 1,201,185
Final Outcome
₹ 2,918,764
Profit from SIP strategy
Analysis
For ₹3,600,000 loan at 9%, investing savings can generate ₹4,119,949.
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