EMI vs SIP for ₹3,500,000
15 Years @ 8%
Original Plan
15 Years @ 8%
EMI: ₹ 33,448
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 29,275
Monthly Savings
₹ 4,172
SIP Investment
@ 12% for 20 years
₹ 4,168,865
Extra Interest Paid
₹ 1,005,488
Final Outcome
₹ 3,163,377
Profit from SIP strategy
Analysis
For ₹3,500,000 loan at 8%, investing savings can generate ₹4,168,865.
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