EMI vs SIP for ₹3,500,000
12 Years @ 8%
Original Plan
12 Years @ 8%
EMI: ₹ 37,886
Extended Plan
17 Years (Reduced EMI)
EMI: ₹ 31,439
Monthly Savings
₹ 6,447
SIP Investment
@ 12% for 17 years
₹ 4,305,986
Extra Interest Paid
₹ 957,993
Final Outcome
₹ 3,347,993
Profit from SIP strategy
Analysis
For ₹3,500,000 loan at 8%, investing savings can generate ₹4,305,986.
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