EMI vs SIP for ₹3,900,000

7 Years @ 12%

Original Plan

7 Years @ 12%

EMI: ₹ 68,846

Extended Plan

12 Years (Reduced EMI)

EMI: ₹ 51,223

Monthly Savings

₹ 17,622

SIP Investment

@ 12% for 12 years

₹ 5,678,828

Extra Interest Paid

₹ 1,593,127

Final Outcome

₹ 4,085,702

Profit from SIP strategy

Analysis

For ₹3,900,000 loan at 12%, investing savings can generate ₹5,678,828.

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