EMI vs SIP for ₹3,500,000
22 Years @ 8%
Original Plan
22 Years @ 8%
EMI: ₹ 28,216
Extended Plan
27 Years (Reduced EMI)
EMI: ₹ 26,400
Monthly Savings
₹ 1,816
SIP Investment
@ 12% for 27 years
₹ 4,426,164
Extra Interest Paid
₹ 1,104,450
Final Outcome
₹ 3,321,715
Profit from SIP strategy
Analysis
For ₹3,500,000 loan at 8%, investing savings can generate ₹4,426,164.
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