EMI vs SIP for ₹3,500,000
20 Years @ 8%
Original Plan
20 Years @ 8%
EMI: ₹ 29,275
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 27,014
Monthly Savings
₹ 2,262
SIP Investment
@ 12% for 25 years
₹ 4,292,137
Extra Interest Paid
₹ 1,077,974
Final Outcome
₹ 3,214,163
Profit from SIP strategy
Analysis
For ₹3,500,000 loan at 8%, investing savings can generate ₹4,292,137.
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