EMI vs SIP for ₹3,100,000
5 Years @ 8%
Original Plan
5 Years @ 8%
EMI: ₹ 62,857
Extended Plan
10 Years (Reduced EMI)
EMI: ₹ 37,612
Monthly Savings
₹ 25,245
SIP Investment
@ 12% for 10 years
₹ 5,865,462
Extra Interest Paid
₹ 741,977
Final Outcome
₹ 5,123,485
Profit from SIP strategy
Analysis
For ₹3,100,000 loan at 8%, investing savings can generate ₹5,865,462.
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