EMI vs SIP for ₹3,100,000
10 Years @ 8%
Original Plan
10 Years @ 8%
EMI: ₹ 37,612
Extended Plan
15 Years (Reduced EMI)
EMI: ₹ 29,625
Monthly Savings
₹ 7,986
SIP Investment
@ 12% for 15 years
₹ 4,029,715
Extra Interest Paid
₹ 819,152
Final Outcome
₹ 3,210,563
Profit from SIP strategy
Analysis
For ₹3,100,000 loan at 8%, investing savings can generate ₹4,029,715.
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