EMI vs SIP for ₹3,100,000
6 Years @ 12%
Original Plan
6 Years @ 12%
EMI: ₹ 60,606
Extended Plan
11 Years (Reduced EMI)
EMI: ₹ 42,401
Monthly Savings
₹ 18,204
SIP Investment
@ 12% for 11 years
₹ 4,999,135
Extra Interest Paid
₹ 1,233,385
Final Outcome
₹ 3,765,750
Profit from SIP strategy
Analysis
For ₹3,100,000 loan at 12%, investing savings can generate ₹4,999,135.
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