EMI vs SIP for ₹3,700,000
18 Years @ 12%
Original Plan
18 Years @ 12%
EMI: ₹ 41,882
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 39,537
Monthly Savings
₹ 2,345
SIP Investment
@ 12% for 23 years
₹ 3,454,708
Extra Interest Paid
₹ 1,865,637
Final Outcome
₹ 1,589,070
Profit from SIP strategy
Analysis
For ₹3,700,000 loan at 12%, investing savings can generate ₹3,454,708.
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