EMI vs SIP for ₹3,200,000

9 Years @ 12%

Original Plan

9 Years @ 12%

EMI: ₹ 48,590

Extended Plan

14 Years (Reduced EMI)

EMI: ₹ 39,406

Monthly Savings

₹ 9,184

SIP Investment

@ 12% for 14 years

₹ 4,007,975

Extra Interest Paid

₹ 1,372,494

Final Outcome

₹ 2,635,481

Profit from SIP strategy

Analysis

For ₹3,200,000 loan at 12%, investing savings can generate ₹4,007,975.

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