EMI vs SIP for ₹3,100,000
15 Years @ 10%
Original Plan
15 Years @ 10%
EMI: ₹ 33,313
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 29,916
Monthly Savings
₹ 3,397
SIP Investment
@ 12% for 20 years
₹ 3,394,193
Extra Interest Paid
₹ 1,183,464
Final Outcome
₹ 2,210,729
Profit from SIP strategy
Analysis
For ₹3,100,000 loan at 10%, investing savings can generate ₹3,394,193.
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