EMI vs SIP for ₹3,900,000
26 Years @ 8%
Original Plan
26 Years @ 8%
EMI: ₹ 29,741
Extended Plan
31 Years (Reduced EMI)
EMI: ₹ 28,398
Monthly Savings
₹ 1,344
SIP Investment
@ 12% for 31 years
₹ 5,361,317
Extra Interest Paid
₹ 1,284,678
Final Outcome
₹ 4,076,639
Profit from SIP strategy
Analysis
For ₹3,900,000 loan at 8%, investing savings can generate ₹5,361,317.
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