EMI vs SIP for ₹3,600,000
21 Years @ 12%
Original Plan
21 Years @ 12%
EMI: ₹ 39,193
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 37,690
Monthly Savings
₹ 1,503
SIP Investment
@ 12% for 26 years
₹ 3,232,904
Extra Interest Paid
₹ 1,882,687
Final Outcome
₹ 1,350,217
Profit from SIP strategy
Analysis
For ₹3,600,000 loan at 12%, investing savings can generate ₹3,232,904.
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