EMI vs SIP for ₹3,100,000

29 Years @ 9%

Original Plan

29 Years @ 9%

EMI: ₹ 25,115

Extended Plan

34 Years (Reduced EMI)

EMI: ₹ 24,408

Monthly Savings

₹ 707

SIP Investment

@ 12% for 34 years

₹ 4,069,163

Extra Interest Paid

₹ 1,218,303

Final Outcome

₹ 2,850,861

Profit from SIP strategy

Analysis

For ₹3,100,000 loan at 9%, investing savings can generate ₹4,069,163.

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