EMI vs SIP for ₹3,900,000

8 Years @ 10%

Original Plan

8 Years @ 10%

EMI: ₹ 59,179

Extended Plan

13 Years (Reduced EMI)

EMI: ₹ 44,766

Monthly Savings

₹ 14,413

SIP Investment

@ 12% for 13 years

₹ 5,418,357

Extra Interest Paid

₹ 1,302,301

Final Outcome

₹ 4,116,057

Profit from SIP strategy

Analysis

For ₹3,900,000 loan at 10%, investing savings can generate ₹5,418,357.

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