EMI vs SIP for ₹3,200,000

9 Years @ 7%

Original Plan

9 Years @ 7%

EMI: ₹ 40,020

Extended Plan

14 Years (Reduced EMI)

EMI: ₹ 29,933

Monthly Savings

₹ 10,087

SIP Investment

@ 12% for 14 years

₹ 4,402,265

Extra Interest Paid

₹ 706,544

Final Outcome

₹ 3,695,721

Profit from SIP strategy

Analysis

For ₹3,200,000 loan at 7%, investing savings can generate ₹4,402,265.

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