EMI vs SIP for ₹3,100,000
12 Years @ 8%
Original Plan
12 Years @ 8%
EMI: ₹ 33,556
Extended Plan
17 Years (Reduced EMI)
EMI: ₹ 27,846
Monthly Savings
₹ 5,710
SIP Investment
@ 12% for 17 years
₹ 3,813,873
Extra Interest Paid
₹ 848,508
Final Outcome
₹ 2,965,365
Profit from SIP strategy
Analysis
For ₹3,100,000 loan at 8%, investing savings can generate ₹3,813,873.
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