EMI vs SIP for ₹3,700,000
8 Years @ 12%
Original Plan
8 Years @ 12%
EMI: ₹ 60,136
Extended Plan
13 Years (Reduced EMI)
EMI: ₹ 46,941
Monthly Savings
₹ 13,195
SIP Investment
@ 12% for 13 years
₹ 4,960,360
Extra Interest Paid
₹ 1,549,732
Final Outcome
₹ 3,410,628
Profit from SIP strategy
Analysis
For ₹3,700,000 loan at 12%, investing savings can generate ₹4,960,360.
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