EMI vs SIP for ₹3,600,000
20 Years @ 8%
Original Plan
20 Years @ 8%
EMI: ₹ 30,112
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 27,785
Monthly Savings
₹ 2,326
SIP Investment
@ 12% for 25 years
₹ 4,414,769
Extra Interest Paid
₹ 1,108,773
Final Outcome
₹ 3,305,996
Profit from SIP strategy
Analysis
For ₹3,600,000 loan at 8%, investing savings can generate ₹4,414,769.
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