EMI vs SIP for ₹3,100,000

27 Years @ 7%

Original Plan

27 Years @ 7%

EMI: ₹ 21,322

Extended Plan

32 Years (Reduced EMI)

EMI: ₹ 20,254

Monthly Savings

₹ 1,069

SIP Investment

@ 12% for 32 years

₹ 4,819,022

Extra Interest Paid

₹ 868,960

Final Outcome

₹ 3,950,062

Profit from SIP strategy

Analysis

For ₹3,100,000 loan at 7%, investing savings can generate ₹4,819,022.

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