EMI vs SIP for ₹3,100,000
5 Years @ 9%
Original Plan
5 Years @ 9%
EMI: ₹ 64,351
Extended Plan
10 Years (Reduced EMI)
EMI: ₹ 39,269
Monthly Savings
₹ 25,081
SIP Investment
@ 12% for 10 years
₹ 5,827,392
Extra Interest Paid
₹ 851,285
Final Outcome
₹ 4,976,107
Profit from SIP strategy
Analysis
For ₹3,100,000 loan at 9%, investing savings can generate ₹5,827,392.
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