EMI vs SIP for ₹3,100,000
20 Years @ 8%
Original Plan
20 Years @ 8%
EMI: ₹ 25,930
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 23,926
Monthly Savings
₹ 2,003
SIP Investment
@ 12% for 25 years
₹ 3,801,607
Extra Interest Paid
₹ 954,777
Final Outcome
₹ 2,846,830
Profit from SIP strategy
Analysis
For ₹3,100,000 loan at 8%, investing savings can generate ₹3,801,607.
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