EMI vs SIP for ₹3,200,000
15 Years @ 8%
Original Plan
15 Years @ 8%
EMI: ₹ 30,581
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 26,766
Monthly Savings
₹ 3,815
SIP Investment
@ 12% for 20 years
₹ 3,811,534
Extra Interest Paid
₹ 919,304
Final Outcome
₹ 2,892,230
Profit from SIP strategy
Analysis
For ₹3,200,000 loan at 8%, investing savings can generate ₹3,811,534.
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