EMI vs SIP for ₹3,100,000
7 Years @ 8%
Original Plan
7 Years @ 8%
EMI: ₹ 48,317
Extended Plan
12 Years (Reduced EMI)
EMI: ₹ 33,556
Monthly Savings
₹ 14,761
SIP Investment
@ 12% for 12 years
₹ 4,756,840
Extra Interest Paid
₹ 773,418
Final Outcome
₹ 3,983,422
Profit from SIP strategy
Analysis
For ₹3,100,000 loan at 8%, investing savings can generate ₹4,756,840.
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