EMI vs SIP for ₹3,100,000
8 Years @ 12%
Original Plan
8 Years @ 12%
EMI: ₹ 50,384
Extended Plan
13 Years (Reduced EMI)
EMI: ₹ 39,329
Monthly Savings
₹ 11,055
SIP Investment
@ 12% for 13 years
₹ 4,155,977
Extra Interest Paid
₹ 1,298,424
Final Outcome
₹ 2,857,553
Profit from SIP strategy
Analysis
For ₹3,100,000 loan at 12%, investing savings can generate ₹4,155,977.
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