EMI vs SIP for ₹3,600,000

9 Years @ 7%

Original Plan

9 Years @ 7%

EMI: ₹ 45,023

Extended Plan

14 Years (Reduced EMI)

EMI: ₹ 33,674

Monthly Savings

₹ 11,348

SIP Investment

@ 12% for 14 years

₹ 4,952,548

Extra Interest Paid

₹ 794,862

Final Outcome

₹ 4,157,686

Profit from SIP strategy

Analysis

For ₹3,600,000 loan at 7%, investing savings can generate ₹4,952,548.

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