EMI vs SIP for ₹3,200,000

7 Years @ 9%

Original Plan

7 Years @ 9%

EMI: ₹ 51,485

Extended Plan

12 Years (Reduced EMI)

EMI: ₹ 36,417

Monthly Savings

₹ 15,068

SIP Investment

@ 12% for 12 years

₹ 4,855,718

Extra Interest Paid

₹ 919,301

Final Outcome

₹ 3,936,417

Profit from SIP strategy

Analysis

For ₹3,200,000 loan at 9%, investing savings can generate ₹4,855,718.

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