EMI vs SIP for ₹3,100,000
26 Years @ 12%
Original Plan
26 Years @ 12%
EMI: ₹ 32,456
Extended Plan
31 Years (Reduced EMI)
EMI: ₹ 31,785
Monthly Savings
₹ 671
SIP Investment
@ 12% for 31 years
₹ 2,677,138
Extra Interest Paid
₹ 1,697,759
Final Outcome
₹ 979,379
Profit from SIP strategy
Analysis
For ₹3,100,000 loan at 12%, investing savings can generate ₹2,677,138.
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