EMI vs SIP for ₹3,900,000

7 Years @ 11%

Original Plan

7 Years @ 11%

EMI: ₹ 66,778

Extended Plan

12 Years (Reduced EMI)

EMI: ₹ 48,889

Monthly Savings

₹ 17,889

SIP Investment

@ 12% for 12 years

₹ 5,764,720

Extra Interest Paid

₹ 1,430,656

Final Outcome

₹ 4,334,064

Profit from SIP strategy

Analysis

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

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