EMI vs SIP for ₹3,100,000
10 Years @ 9%
Original Plan
10 Years @ 9%
EMI: ₹ 39,269
Extended Plan
15 Years (Reduced EMI)
EMI: ₹ 31,442
Monthly Savings
₹ 7,827
SIP Investment
@ 12% for 15 years
₹ 3,949,430
Extra Interest Paid
₹ 947,269
Final Outcome
₹ 3,002,162
Profit from SIP strategy
Analysis
For ₹3,100,000 loan at 9%, investing savings can generate ₹3,949,430.
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