EMI vs SIP for ₹3,500,000
13 Years @ 8%
Original Plan
13 Years @ 8%
EMI: ₹ 36,158
Extended Plan
18 Years (Reduced EMI)
EMI: ₹ 30,624
Monthly Savings
₹ 5,534
SIP Investment
@ 12% for 18 years
₹ 4,235,860
Extra Interest Paid
₹ 974,134
Final Outcome
₹ 3,261,726
Profit from SIP strategy
Analysis
For ₹3,500,000 loan at 8%, investing savings can generate ₹4,235,860.
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