EMI vs SIP for ₹3,100,000
18 Years @ 12%
Original Plan
18 Years @ 12%
EMI: ₹ 35,090
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 33,126
Monthly Savings
₹ 1,965
SIP Investment
@ 12% for 23 years
₹ 2,894,485
Extra Interest Paid
₹ 1,563,101
Final Outcome
₹ 1,331,383
Profit from SIP strategy
Analysis
For ₹3,100,000 loan at 12%, investing savings can generate ₹2,894,485.
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