EMI vs SIP for ₹3,100,000
15 Years @ 12%
Original Plan
15 Years @ 12%
EMI: ₹ 37,205
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 34,134
Monthly Savings
₹ 3,072
SIP Investment
@ 12% for 20 years
₹ 3,068,923
Extra Interest Paid
₹ 1,495,143
Final Outcome
₹ 1,573,780
Profit from SIP strategy
Analysis
For ₹3,100,000 loan at 12%, investing savings can generate ₹3,068,923.
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