EMI vs SIP for ₹3,100,000
10 Years @ 12%
Original Plan
10 Years @ 12%
EMI: ₹ 44,476
Extended Plan
15 Years (Reduced EMI)
EMI: ₹ 37,205
Monthly Savings
₹ 7,271
SIP Investment
@ 12% for 15 years
₹ 3,668,663
Extra Interest Paid
₹ 1,359,819
Final Outcome
₹ 2,308,845
Profit from SIP strategy
Analysis
For ₹3,100,000 loan at 12%, investing savings can generate ₹3,668,663.
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