EMI vs SIP for ₹3,500,000

8 Years @ 8%

Original Plan

8 Years @ 8%

EMI: ₹ 49,478

Extended Plan

13 Years (Reduced EMI)

EMI: ₹ 36,158

Monthly Savings

₹ 13,321

SIP Investment

@ 12% for 13 years

₹ 5,007,700

Extra Interest Paid

₹ 890,659

Final Outcome

₹ 4,117,041

Profit from SIP strategy

Analysis

For ₹3,500,000 loan at 8%, investing savings can generate ₹5,007,700.

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