EMI vs SIP for ₹3,100,000
13 Years @ 8%
Original Plan
13 Years @ 8%
EMI: ₹ 32,025
Extended Plan
18 Years (Reduced EMI)
EMI: ₹ 27,124
Monthly Savings
₹ 4,901
SIP Investment
@ 12% for 18 years
₹ 3,751,761
Extra Interest Paid
₹ 862,804
Final Outcome
₹ 2,888,957
Profit from SIP strategy
Analysis
For ₹3,100,000 loan at 8%, investing savings can generate ₹3,751,761.
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