EMI vs SIP for ₹3,400,000

14 Years @ 8%

Original Plan

14 Years @ 8%

EMI: ₹ 33,705

Extended Plan

19 Years (Reduced EMI)

EMI: ₹ 29,053

Monthly Savings

₹ 4,652

SIP Investment

@ 12% for 19 years

₹ 4,071,814

Extra Interest Paid

₹ 961,685

Final Outcome

₹ 3,110,129

Profit from SIP strategy

Analysis

For ₹3,400,000 loan at 8%, investing savings can generate ₹4,071,814.

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