EMI vs SIP for ₹3,400,000

7 Years @ 8%

Original Plan

7 Years @ 8%

EMI: ₹ 52,993

Extended Plan

12 Years (Reduced EMI)

EMI: ₹ 36,803

Monthly Savings

₹ 16,190

SIP Investment

@ 12% for 12 years

₹ 5,217,179

Extra Interest Paid

₹ 848,265

Final Outcome

₹ 4,368,914

Profit from SIP strategy

Analysis

For ₹3,400,000 loan at 8%, investing savings can generate ₹5,217,179.

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