Can I gain ₹4,334,064 using SIP?

Yes, based on this calculation, SIP can generate ₹4,334,064.

Should I prepay loan or invest?

If SIP returns are higher than loan interest, investing is better.

7 Years @ 11%

7 Years @ 11%

EMI: ₹ 66,778

12 Years (Reduced EMI)

EMI: ₹ 48,889

₹ 17,889

@ 12% for 12 years

₹ 5,764,720

₹ 1,430,656

₹ 4,334,064

Profit from SIP strategy

For ₹3,900,000 loan at 11%, investing savings can generate ₹5,764,720.

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