EMI vs SIP for ₹3,600,000
15 Years @ 8%
Original Plan
15 Years @ 8%
EMI: ₹ 34,403
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 30,112
Monthly Savings
₹ 4,292
SIP Investment
@ 12% for 20 years
₹ 4,287,976
Extra Interest Paid
₹ 1,034,217
Final Outcome
₹ 3,253,759
Profit from SIP strategy
Analysis
For ₹3,600,000 loan at 8%, investing savings can generate ₹4,287,976.
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