EMI vs SIP for ₹3,200,000
16 Years @ 8%
Original Plan
16 Years @ 8%
EMI: ₹ 29,598
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 26,254
Monthly Savings
₹ 3,344
SIP Investment
@ 12% for 21 years
₹ 3,807,620
Extra Interest Paid
₹ 933,192
Final Outcome
₹ 2,874,428
Profit from SIP strategy
Analysis
For ₹3,200,000 loan at 8%, investing savings can generate ₹3,807,620.
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