EMI vs SIP for ₹3,500,000
21 Years @ 8%
Original Plan
21 Years @ 8%
EMI: ₹ 28,715
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 26,691
Monthly Savings
₹ 2,024
SIP Investment
@ 12% for 26 years
₹ 4,353,947
Extra Interest Paid
₹ 1,091,397
Final Outcome
₹ 3,262,550
Profit from SIP strategy
Analysis
For ₹3,500,000 loan at 8%, investing savings can generate ₹4,353,947.
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