EMI vs SIP for ₹3,200,000
18 Years @ 8%
Original Plan
18 Years @ 8%
EMI: ₹ 27,999
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 25,390
Monthly Savings
₹ 2,608
SIP Investment
@ 12% for 23 years
₹ 3,842,207
Extra Interest Paid
₹ 960,032
Final Outcome
₹ 2,882,175
Profit from SIP strategy
Analysis
For ₹3,200,000 loan at 8%, investing savings can generate ₹3,842,207.
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