EMI vs SIP for ₹3,100,000
21 Years @ 8%
Original Plan
21 Years @ 8%
EMI: ₹ 25,433
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 23,641
Monthly Savings
₹ 1,793
SIP Investment
@ 12% for 26 years
₹ 3,856,353
Extra Interest Paid
₹ 966,666
Final Outcome
₹ 2,889,687
Profit from SIP strategy
Analysis
For ₹3,100,000 loan at 8%, investing savings can generate ₹3,856,353.
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