EMI vs SIP for ₹3,100,000
23 Years @ 8%
Original Plan
23 Years @ 8%
EMI: ₹ 24,597
Extended Plan
28 Years (Reduced EMI)
EMI: ₹ 23,150
Monthly Savings
₹ 1,448
SIP Investment
@ 12% for 28 years
₹ 3,993,085
Extra Interest Paid
₹ 989,458
Final Outcome
₹ 3,003,627
Profit from SIP strategy
Analysis
For ₹3,100,000 loan at 8%, investing savings can generate ₹3,993,085.
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