EMI vs SIP for ₹3,400,000

13 Years @ 10%

Original Plan

13 Years @ 10%

EMI: ₹ 39,027

Extended Plan

18 Years (Reduced EMI)

EMI: ₹ 33,995

Monthly Savings

₹ 5,032

SIP Investment

@ 12% for 18 years

₹ 3,851,805

Extra Interest Paid

₹ 1,254,666

Final Outcome

₹ 2,597,139

Profit from SIP strategy

Analysis

For ₹3,400,000 loan at 10%, investing savings can generate ₹3,851,805.

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