EMI vs SIP for ₹3,600,000
19 Years @ 12%
Original Plan
19 Years @ 12%
EMI: ₹ 40,154
Extended Plan
24 Years (Reduced EMI)
EMI: ₹ 38,174
Monthly Savings
₹ 1,980
SIP Investment
@ 12% for 24 years
₹ 3,312,148
Extra Interest Paid
₹ 1,838,954
Final Outcome
₹ 1,473,194
Profit from SIP strategy
Analysis
For ₹3,600,000 loan at 12%, investing savings can generate ₹3,312,148.
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