EMI vs SIP for ₹3,900,000

16 Years @ 11%

Original Plan

16 Years @ 11%

EMI: ₹ 43,251

Extended Plan

21 Years (Reduced EMI)

EMI: ₹ 39,736

Monthly Savings

₹ 3,515

SIP Investment

@ 12% for 21 years

₹ 4,002,495

Extra Interest Paid

₹ 1,709,269

Final Outcome

₹ 2,293,226

Profit from SIP strategy

Analysis

For ₹3,900,000 loan at 11%, investing savings can generate ₹4,002,495.

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