EMI vs SIP for ₹3,100,000
5 Years @ 12%
Original Plan
5 Years @ 12%
EMI: ₹ 68,958
Extended Plan
10 Years (Reduced EMI)
EMI: ₹ 44,476
Monthly Savings
₹ 24,482
SIP Investment
@ 12% for 10 years
₹ 5,688,077
Extra Interest Paid
₹ 1,199,652
Final Outcome
₹ 4,488,425
Profit from SIP strategy
Analysis
For ₹3,100,000 loan at 12%, investing savings can generate ₹5,688,077.
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