EMI vs SIP for ₹3,900,000

6 Years @ 9%

Original Plan

6 Years @ 9%

EMI: ₹ 70,300

Extended Plan

11 Years (Reduced EMI)

EMI: ₹ 46,647

Monthly Savings

₹ 23,652

SIP Investment

@ 12% for 11 years

₹ 6,495,316

Extra Interest Paid

₹ 1,095,851

Final Outcome

₹ 5,399,465

Profit from SIP strategy

Analysis

For ₹3,900,000 loan at 9%, investing savings can generate ₹6,495,316.

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