EMI vs SIP for ₹3,500,000
28 Years @ 8%
Original Plan
28 Years @ 8%
EMI: ₹ 26,137
Extended Plan
33 Years (Reduced EMI)
EMI: ₹ 25,143
Monthly Savings
₹ 993
SIP Investment
@ 12% for 33 years
₹ 5,059,188
Extra Interest Paid
₹ 1,174,899
Final Outcome
₹ 3,884,289
Profit from SIP strategy
Analysis
For ₹3,500,000 loan at 8%, investing savings can generate ₹5,059,188.
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