EMI vs SIP for ₹3,200,000
21 Years @ 8%
Original Plan
21 Years @ 8%
EMI: ₹ 26,254
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 24,403
Monthly Savings
₹ 1,851
SIP Investment
@ 12% for 26 years
₹ 3,980,751
Extra Interest Paid
₹ 997,849
Final Outcome
₹ 2,982,903
Profit from SIP strategy
Analysis
For ₹3,200,000 loan at 8%, investing savings can generate ₹3,980,751.
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