EMI vs SIP for ₹3,200,000
5 Years @ 8%
Original Plan
5 Years @ 8%
EMI: ₹ 64,884
Extended Plan
10 Years (Reduced EMI)
EMI: ₹ 38,825
Monthly Savings
₹ 26,060
SIP Investment
@ 12% for 10 years
₹ 6,054,671
Extra Interest Paid
₹ 765,912
Final Outcome
₹ 5,288,759
Profit from SIP strategy
Analysis
For ₹3,200,000 loan at 8%, investing savings can generate ₹6,054,671.
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