EMI vs SIP for ₹3,700,000

26 Years @ 9%

Original Plan

26 Years @ 9%

EMI: ₹ 30,737

Extended Plan

31 Years (Reduced EMI)

EMI: ₹ 29,586

Monthly Savings

₹ 1,151

SIP Investment

@ 12% for 31 years

₹ 4,591,061

Extra Interest Paid

₹ 1,416,210

Final Outcome

₹ 3,174,851

Profit from SIP strategy

Analysis

For ₹3,700,000 loan at 9%, investing savings can generate ₹4,591,061.

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₹43L Loan for 23 years at 9% vs SIP ₹66L Loan for 9 years at 9% vs SIP ₹91L Loan for 17 years at 7% vs SIP ₹87L Loan for 28 years at 12% vs SIP ₹56L Loan for 20 years at 11% vs SIP ₹17L Loan for 21 years at 12% vs SIP
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