EMI vs SIP for ₹3,900,000

7 Years @ 10%

Original Plan

7 Years @ 10%

EMI: ₹ 64,745

Extended Plan

12 Years (Reduced EMI)

EMI: ₹ 46,608

Monthly Savings

₹ 18,137

SIP Investment

@ 12% for 12 years

₹ 5,844,548

Extra Interest Paid

₹ 1,273,012

Final Outcome

₹ 4,571,536

Profit from SIP strategy

Analysis

For ₹3,900,000 loan at 10%, investing savings can generate ₹5,844,548.

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