EMI vs SIP for ₹3,600,000
21 Years @ 8%
Original Plan
21 Years @ 8%
EMI: ₹ 29,535
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 27,454
Monthly Savings
₹ 2,082
SIP Investment
@ 12% for 26 years
₹ 4,478,345
Extra Interest Paid
₹ 1,122,580
Final Outcome
₹ 3,355,765
Profit from SIP strategy
Analysis
For ₹3,600,000 loan at 8%, investing savings can generate ₹4,478,345.
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