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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