EMI vs SIP for ₹6,400,000
18 Years @ 12%
Original Plan
18 Years @ 12%
EMI: ₹ 72,445
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 68,388
Monthly Savings
₹ 4,057
SIP Investment
@ 12% for 23 years
₹ 5,975,710
Extra Interest Paid
₹ 3,227,048
Final Outcome
₹ 2,748,662
Profit from SIP strategy
Analysis
For ₹6,400,000 loan at 12%, investing savings can generate ₹5,975,710.
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