EMI vs SIP for ₹6,400,000
15 Years @ 12%
Original Plan
15 Years @ 12%
EMI: ₹ 76,811
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 70,470
Monthly Savings
₹ 6,341
SIP Investment
@ 12% for 20 years
₹ 6,335,840
Extra Interest Paid
₹ 3,086,747
Final Outcome
₹ 3,249,093
Profit from SIP strategy
Analysis
For ₹6,400,000 loan at 12%, investing savings can generate ₹6,335,840.
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