EMI vs SIP for ₹3,500,000
26 Years @ 8%
Original Plan
26 Years @ 8%
EMI: ₹ 26,691
Extended Plan
31 Years (Reduced EMI)
EMI: ₹ 25,485
Monthly Savings
₹ 1,206
SIP Investment
@ 12% for 31 years
₹ 4,811,438
Extra Interest Paid
₹ 1,152,916
Final Outcome
₹ 3,658,522
Profit from SIP strategy
Analysis
For ₹3,500,000 loan at 8%, investing savings can generate ₹4,811,438.
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