EMI vs SIP for ₹3,100,000
8 Years @ 7%
Original Plan
8 Years @ 7%
EMI: ₹ 42,265
Extended Plan
13 Years (Reduced EMI)
EMI: ₹ 30,320
Monthly Savings
₹ 11,944
SIP Investment
@ 12% for 13 years
₹ 4,490,206
Extra Interest Paid
₹ 672,572
Final Outcome
₹ 3,817,634
Profit from SIP strategy
Analysis
For ₹3,100,000 loan at 7%, investing savings can generate ₹4,490,206.
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