EMI vs SIP for ₹3,500,000
11 Years @ 8%
Original Plan
11 Years @ 8%
EMI: ₹ 39,954
Extended Plan
16 Years (Reduced EMI)
EMI: ₹ 32,372
Monthly Savings
₹ 7,582
SIP Investment
@ 12% for 16 years
₹ 4,407,828
Extra Interest Paid
₹ 941,560
Final Outcome
₹ 3,466,268
Profit from SIP strategy
Analysis
For ₹3,500,000 loan at 8%, investing savings can generate ₹4,407,828.
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