EMI vs SIP for ₹6,800,000
20 Years @ 12%
Original Plan
20 Years @ 12%
EMI: ₹ 74,874
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 71,619
Monthly Savings
₹ 3,255
SIP Investment
@ 12% for 25 years
₹ 6,176,072
Extra Interest Paid
₹ 3,516,047
Final Outcome
₹ 2,660,026
Profit from SIP strategy
Analysis
For ₹6,800,000 loan at 12%, investing savings can generate ₹6,176,072.
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