EMI vs SIP for ₹3,200,000
20 Years @ 8%
Original Plan
20 Years @ 8%
EMI: ₹ 26,766
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 24,698
Monthly Savings
₹ 2,068
SIP Investment
@ 12% for 25 years
₹ 3,924,240
Extra Interest Paid
₹ 985,576
Final Outcome
₹ 2,938,664
Profit from SIP strategy
Analysis
For ₹3,200,000 loan at 8%, investing savings can generate ₹3,924,240.
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