EMI vs SIP for ₹3,600,000
16 Years @ 8%
Original Plan
16 Years @ 8%
EMI: ₹ 33,297
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 29,535
Monthly Savings
₹ 3,762
SIP Investment
@ 12% for 21 years
₹ 4,283,572
Extra Interest Paid
₹ 1,049,841
Final Outcome
₹ 3,233,732
Profit from SIP strategy
Analysis
For ₹3,600,000 loan at 8%, investing savings can generate ₹4,283,572.
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