EMI vs SIP for ₹3,500,000
18 Years @ 8%
Original Plan
18 Years @ 8%
EMI: ₹ 30,624
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 27,771
Monthly Savings
₹ 2,853
SIP Investment
@ 12% for 23 years
₹ 4,202,413
Extra Interest Paid
₹ 1,050,035
Final Outcome
₹ 3,152,379
Profit from SIP strategy
Analysis
For ₹3,500,000 loan at 8%, investing savings can generate ₹4,202,413.
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