EMI vs SIP for ₹3,100,000
16 Years @ 8%
Original Plan
16 Years @ 8%
EMI: ₹ 28,673
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 25,433
Monthly Savings
₹ 3,239
SIP Investment
@ 12% for 21 years
₹ 3,688,632
Extra Interest Paid
₹ 904,029
Final Outcome
₹ 2,784,602
Profit from SIP strategy
Analysis
For ₹3,100,000 loan at 8%, investing savings can generate ₹3,688,632.
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