EMI vs SIP for ₹3,500,000
16 Years @ 8%
Original Plan
16 Years @ 8%
EMI: ₹ 32,372
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 28,715
Monthly Savings
₹ 3,657
SIP Investment
@ 12% for 21 years
₹ 4,164,584
Extra Interest Paid
₹ 1,020,678
Final Outcome
₹ 3,143,906
Profit from SIP strategy
Analysis
For ₹3,500,000 loan at 8%, investing savings can generate ₹4,164,584.
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