EMI vs SIP for ₹3,600,000
23 Years @ 8%
Original Plan
23 Years @ 8%
EMI: ₹ 28,564
Extended Plan
28 Years (Reduced EMI)
EMI: ₹ 26,883
Monthly Savings
₹ 1,681
SIP Investment
@ 12% for 28 years
₹ 4,637,131
Extra Interest Paid
₹ 1,149,048
Final Outcome
₹ 3,488,084
Profit from SIP strategy
Analysis
For ₹3,600,000 loan at 8%, investing savings can generate ₹4,637,131.
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