EMI vs SIP for ₹3,100,000

12 Years @ 8%

Original Plan

12 Years @ 8%

EMI: ₹ 33,556

Extended Plan

17 Years (Reduced EMI)

EMI: ₹ 27,846

Monthly Savings

₹ 5,710

SIP Investment

@ 12% for 17 years

₹ 3,813,873

Extra Interest Paid

₹ 848,508

Final Outcome

₹ 2,965,365

Profit from SIP strategy

Analysis

For ₹3,100,000 loan at 8%, investing savings can generate ₹3,813,873.

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