EMI vs SIP for ₹3,900,000
10 Years @ 8%
Original Plan
10 Years @ 8%
EMI: ₹ 47,318
Extended Plan
15 Years (Reduced EMI)
EMI: ₹ 37,270
Monthly Savings
₹ 10,047
SIP Investment
@ 12% for 15 years
₹ 5,069,642
Extra Interest Paid
₹ 1,030,546
Final Outcome
₹ 4,039,096
Profit from SIP strategy
Analysis
For ₹3,900,000 loan at 8%, investing savings can generate ₹5,069,642.
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