EMI vs SIP for ₹3,700,000
15 Years @ 12%
Original Plan
15 Years @ 12%
EMI: ₹ 44,406
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 40,740
Monthly Savings
₹ 3,666
SIP Investment
@ 12% for 20 years
₹ 3,662,908
Extra Interest Paid
₹ 1,784,526
Final Outcome
₹ 1,878,382
Profit from SIP strategy
Analysis
For ₹3,700,000 loan at 12%, investing savings can generate ₹3,662,908.
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