EMI vs SIP for ₹3,900,000

14 Years @ 11%

Original Plan

14 Years @ 11%

EMI: ₹ 45,593

Extended Plan

19 Years (Reduced EMI)

EMI: ₹ 40,851

Monthly Savings

₹ 4,742

SIP Investment

@ 12% for 19 years

₹ 4,150,813

Extra Interest Paid

₹ 1,654,406

Final Outcome

₹ 2,496,408

Profit from SIP strategy

Analysis

For ₹3,900,000 loan at 11%, investing savings can generate ₹4,150,813.

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