EMI vs SIP for ₹3,200,000
8 Years @ 12%
Original Plan
8 Years @ 12%
EMI: ₹ 52,009
Extended Plan
13 Years (Reduced EMI)
EMI: ₹ 40,597
Monthly Savings
₹ 11,412
SIP Investment
@ 12% for 13 years
₹ 4,290,041
Extra Interest Paid
₹ 1,340,309
Final Outcome
₹ 2,949,732
Profit from SIP strategy
Analysis
For ₹3,200,000 loan at 12%, investing savings can generate ₹4,290,041.
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