EMI vs SIP for ₹3,600,000
26 Years @ 8%
Original Plan
26 Years @ 8%
EMI: ₹ 27,454
Extended Plan
31 Years (Reduced EMI)
EMI: ₹ 26,213
Monthly Savings
₹ 1,240
SIP Investment
@ 12% for 31 years
₹ 4,948,908
Extra Interest Paid
₹ 1,185,857
Final Outcome
₹ 3,763,051
Profit from SIP strategy
Analysis
For ₹3,600,000 loan at 8%, investing savings can generate ₹4,948,908.
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