EMI vs SIP for ₹3,600,000
27 Years @ 8%
Original Plan
27 Years @ 8%
EMI: ₹ 27,154
Extended Plan
32 Years (Reduced EMI)
EMI: ₹ 26,029
Monthly Savings
₹ 1,125
SIP Investment
@ 12% for 32 years
₹ 5,071,672
Extra Interest Paid
₹ 1,197,354
Final Outcome
₹ 3,874,318
Profit from SIP strategy
Analysis
For ₹3,600,000 loan at 8%, investing savings can generate ₹5,071,672.
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