EMI vs SIP for ₹3,100,000
13 Years @ 7%
Original Plan
13 Years @ 7%
EMI: ₹ 30,320
Extended Plan
18 Years (Reduced EMI)
EMI: ₹ 25,281
Monthly Savings
₹ 5,040
SIP Investment
@ 12% for 18 years
₹ 3,857,608
Extra Interest Paid
₹ 730,636
Final Outcome
₹ 3,126,972
Profit from SIP strategy
Analysis
For ₹3,100,000 loan at 7%, investing savings can generate ₹3,857,608.
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