EMI vs SIP for ₹3,100,000
26 Years @ 8%
Original Plan
26 Years @ 8%
EMI: ₹ 23,641
Extended Plan
31 Years (Reduced EMI)
EMI: ₹ 22,573
Monthly Savings
₹ 1,068
SIP Investment
@ 12% for 31 years
₹ 4,261,560
Extra Interest Paid
₹ 1,021,154
Final Outcome
₹ 3,240,405
Profit from SIP strategy
Analysis
For ₹3,100,000 loan at 8%, investing savings can generate ₹4,261,560.
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