EMI vs SIP for ₹3,900,000

8 Years @ 7%

Original Plan

8 Years @ 7%

EMI: ₹ 53,171

Extended Plan

13 Years (Reduced EMI)

EMI: ₹ 38,145

Monthly Savings

₹ 15,027

SIP Investment

@ 12% for 13 years

₹ 5,648,969

Extra Interest Paid

₹ 846,139

Final Outcome

₹ 4,802,829

Profit from SIP strategy

Analysis

For ₹3,900,000 loan at 7%, investing savings can generate ₹5,648,969.

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