EMI vs SIP for ₹3,700,000

7 Years @ 8%

Original Plan

7 Years @ 8%

EMI: ₹ 57,669

Extended Plan

12 Years (Reduced EMI)

EMI: ₹ 40,051

Monthly Savings

₹ 17,618

SIP Investment

@ 12% for 12 years

₹ 5,677,519

Extra Interest Paid

₹ 923,112

Final Outcome

₹ 4,754,407

Profit from SIP strategy

Analysis

For ₹3,700,000 loan at 8%, investing savings can generate ₹5,677,519.

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