EMI vs SIP for ₹3,600,000
18 Years @ 12%
Original Plan
18 Years @ 12%
EMI: ₹ 40,750
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 38,468
Monthly Savings
₹ 2,282
SIP Investment
@ 12% for 23 years
₹ 3,361,337
Extra Interest Paid
₹ 1,815,214
Final Outcome
₹ 1,546,123
Profit from SIP strategy
Analysis
For ₹3,600,000 loan at 12%, investing savings can generate ₹3,361,337.
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