EMI vs SIP for ₹3,600,000
30 Years @ 12%
Original Plan
30 Years @ 12%
EMI: ₹ 37,030
Extended Plan
35 Years (Reduced EMI)
EMI: ₹ 36,560
Monthly Savings
₹ 470
SIP Investment
@ 12% for 35 years
₹ 3,054,475
Extra Interest Paid
₹ 2,024,293
Final Outcome
₹ 1,030,181
Profit from SIP strategy
Analysis
For ₹3,600,000 loan at 12%, investing savings can generate ₹3,054,475.
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