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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