EMI vs SIP for ₹3,200,000

8 Years @ 7%

Original Plan

8 Years @ 7%

EMI: ₹ 43,628

Extended Plan

13 Years (Reduced EMI)

EMI: ₹ 31,298

Monthly Savings

₹ 12,330

SIP Investment

@ 12% for 13 years

₹ 4,635,051

Extra Interest Paid

₹ 694,268

Final Outcome

₹ 3,940,783

Profit from SIP strategy

Analysis

For ₹3,200,000 loan at 7%, investing savings can generate ₹4,635,051.

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