EMI vs SIP for ₹3,400,000

7 Years @ 10%

Original Plan

7 Years @ 10%

EMI: ₹ 56,444

Extended Plan

12 Years (Reduced EMI)

EMI: ₹ 40,633

Monthly Savings

₹ 15,811

SIP Investment

@ 12% for 12 years

₹ 5,095,247

Extra Interest Paid

₹ 1,109,805

Final Outcome

₹ 3,985,442

Profit from SIP strategy

Analysis

For ₹3,400,000 loan at 10%, investing savings can generate ₹5,095,247.

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