EMI vs SIP for ₹6,600,000

12 Years @ 8%

Original Plan

12 Years @ 8%

EMI: ₹ 71,442

Extended Plan

17 Years (Reduced EMI)

EMI: ₹ 59,285

Monthly Savings

₹ 12,157

SIP Investment

@ 12% for 17 years

₹ 8,119,859

Extra Interest Paid

₹ 1,806,501

Final Outcome

₹ 6,313,359

Profit from SIP strategy

Analysis

For ₹6,600,000 loan at 8%, investing savings can generate ₹8,119,859.

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