EMI vs SIP for ₹3,100,000
8 Years @ 8%
Original Plan
8 Years @ 8%
EMI: ₹ 43,824
Extended Plan
13 Years (Reduced EMI)
EMI: ₹ 32,025
Monthly Savings
₹ 11,798
SIP Investment
@ 12% for 13 years
₹ 4,435,392
Extra Interest Paid
₹ 788,870
Final Outcome
₹ 3,646,522
Profit from SIP strategy
Analysis
For ₹3,100,000 loan at 8%, investing savings can generate ₹4,435,392.
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