EMI vs SIP for ₹3,100,000
25 Years @ 8%
Original Plan
25 Years @ 8%
EMI: ₹ 23,926
Extended Plan
30 Years (Reduced EMI)
EMI: ₹ 22,747
Monthly Savings
₹ 1,180
SIP Investment
@ 12% for 30 years
₹ 4,163,890
Extra Interest Paid
₹ 1,010,922
Final Outcome
₹ 3,152,968
Profit from SIP strategy
Analysis
For ₹3,100,000 loan at 8%, investing savings can generate ₹4,163,890.
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