EMI vs SIP for ₹3,600,000
18 Years @ 7%
Original Plan
18 Years @ 7%
EMI: ₹ 29,358
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 26,277
Monthly Savings
₹ 3,081
SIP Investment
@ 12% for 23 years
₹ 4,538,469
Extra Interest Paid
₹ 911,133
Final Outcome
₹ 3,627,337
Profit from SIP strategy
Analysis
For ₹3,600,000 loan at 7%, investing savings can generate ₹4,538,469.
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