EMI vs SIP for ₹3,100,000
15 Years @ 8%
Original Plan
15 Years @ 8%
EMI: ₹ 29,625
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 25,930
Monthly Savings
₹ 3,696
SIP Investment
@ 12% for 20 years
₹ 3,692,424
Extra Interest Paid
₹ 890,575
Final Outcome
₹ 2,801,848
Profit from SIP strategy
Analysis
For ₹3,100,000 loan at 8%, investing savings can generate ₹3,692,424.
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