EMI vs SIP for ₹3,700,000
21 Years @ 8%
Original Plan
21 Years @ 8%
EMI: ₹ 30,356
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 28,216
Monthly Savings
₹ 2,140
SIP Investment
@ 12% for 26 years
₹ 4,602,743
Extra Interest Paid
₹ 1,153,762
Final Outcome
₹ 3,448,981
Profit from SIP strategy
Analysis
For ₹3,700,000 loan at 8%, investing savings can generate ₹4,602,743.
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