EMI vs SIP for ₹3,200,000
6 Years @ 12%
Original Plan
6 Years @ 12%
EMI: ₹ 62,561
Extended Plan
11 Years (Reduced EMI)
EMI: ₹ 43,769
Monthly Savings
₹ 18,791
SIP Investment
@ 12% for 11 years
₹ 5,160,398
Extra Interest Paid
₹ 1,273,172
Final Outcome
₹ 3,887,226
Profit from SIP strategy
Analysis
For ₹3,200,000 loan at 12%, investing savings can generate ₹5,160,398.
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