EMI vs SIP for ₹3,700,000
16 Years @ 8%
Original Plan
16 Years @ 8%
EMI: ₹ 34,222
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 30,356
Monthly Savings
₹ 3,866
SIP Investment
@ 12% for 21 years
₹ 4,402,560
Extra Interest Paid
₹ 1,079,003
Final Outcome
₹ 3,323,558
Profit from SIP strategy
Analysis
For ₹3,700,000 loan at 8%, investing savings can generate ₹4,402,560.
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