EMI vs SIP for ₹3,600,000
14 Years @ 8%
Original Plan
14 Years @ 8%
EMI: ₹ 35,687
Extended Plan
19 Years (Reduced EMI)
EMI: ₹ 30,762
Monthly Savings
₹ 4,925
SIP Investment
@ 12% for 19 years
₹ 4,311,333
Extra Interest Paid
₹ 1,018,255
Final Outcome
₹ 3,293,078
Profit from SIP strategy
Analysis
For ₹3,600,000 loan at 8%, investing savings can generate ₹4,311,333.
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