EMI vs SIP for ₹3,100,000
30 Years @ 12%
Original Plan
30 Years @ 12%
EMI: ₹ 31,887
Extended Plan
35 Years (Reduced EMI)
EMI: ₹ 31,482
Monthly Savings
₹ 405
SIP Investment
@ 12% for 35 years
₹ 2,630,242
Extra Interest Paid
₹ 1,743,142
Final Outcome
₹ 887,100
Profit from SIP strategy
Analysis
For ₹3,100,000 loan at 12%, investing savings can generate ₹2,630,242.
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