EMI vs SIP for ₹3,100,000

5 Years @ 7%

Original Plan

5 Years @ 7%

EMI: ₹ 61,384

Extended Plan

10 Years (Reduced EMI)

EMI: ₹ 35,994

Monthly Savings

₹ 25,390

SIP Investment

@ 12% for 10 years

₹ 5,899,109

Extra Interest Paid

₹ 636,212

Final Outcome

₹ 5,262,897

Profit from SIP strategy

Analysis

For ₹3,100,000 loan at 7%, investing savings can generate ₹5,899,109.

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₹85L Loan for 18 years at 8% vs SIP ₹72L Loan for 26 years at 8% vs SIP ₹17L Loan for 13 years at 10% vs SIP ₹27L Loan for 7 years at 11% vs SIP ₹93L Loan for 19 years at 12% vs SIP ₹72L Loan for 30 years at 7% vs SIP
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