EMI vs SIP for ₹3,900,000
24 Years @ 8%
Original Plan
24 Years @ 8%
EMI: ₹ 30,500
Extended Plan
29 Years (Reduced EMI)
EMI: ₹ 28,858
Monthly Savings
₹ 1,642
SIP Investment
@ 12% for 29 years
₹ 5,125,794
Extra Interest Paid
₹ 1,258,513
Final Outcome
₹ 3,867,282
Profit from SIP strategy
Analysis
For ₹3,900,000 loan at 8%, investing savings can generate ₹5,125,794.
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