EMI vs SIP for ₹3,500,000
30 Years @ 8%
Original Plan
30 Years @ 8%
EMI: ₹ 25,682
Extended Plan
35 Years (Reduced EMI)
EMI: ₹ 24,859
Monthly Savings
₹ 823
SIP Investment
@ 12% for 35 years
₹ 5,343,199
Extra Interest Paid
₹ 1,195,401
Final Outcome
₹ 4,147,798
Profit from SIP strategy
Analysis
For ₹3,500,000 loan at 8%, investing savings can generate ₹5,343,199.
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