EMI vs SIP for ₹3,700,000
13 Years @ 7%
Original Plan
13 Years @ 7%
EMI: ₹ 36,189
Extended Plan
18 Years (Reduced EMI)
EMI: ₹ 30,174
Monthly Savings
₹ 6,015
SIP Investment
@ 12% for 18 years
₹ 4,604,242
Extra Interest Paid
₹ 872,049
Final Outcome
₹ 3,732,192
Profit from SIP strategy
Analysis
For ₹3,700,000 loan at 7%, investing savings can generate ₹4,604,242.
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