EMI vs SIP for ₹3,300,000

10 Years @ 7%

Original Plan

10 Years @ 7%

EMI: ₹ 38,316

Extended Plan

15 Years (Reduced EMI)

EMI: ₹ 29,661

Monthly Savings

₹ 8,654

SIP Investment

@ 12% for 15 years

₹ 4,366,835

Extra Interest Paid

₹ 741,144

Final Outcome

₹ 3,625,691

Profit from SIP strategy

Analysis

For ₹3,300,000 loan at 7%, investing savings can generate ₹4,366,835.

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