EMI vs SIP for ₹3,900,000

7 Years @ 9%

Original Plan

7 Years @ 9%

EMI: ₹ 62,747

Extended Plan

12 Years (Reduced EMI)

EMI: ₹ 44,383

Monthly Savings

₹ 18,364

SIP Investment

@ 12% for 12 years

₹ 5,917,906

Extra Interest Paid

₹ 1,120,398

Final Outcome

₹ 4,797,508

Profit from SIP strategy

Analysis

For ₹3,900,000 loan at 9%, investing savings can generate ₹5,917,906.

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