EMI vs SIP for ₹8,000,000
20 Years @ 12%
Original Plan
20 Years @ 12%
EMI: ₹ 88,087
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 84,258
Monthly Savings
₹ 3,829
SIP Investment
@ 12% for 25 years
₹ 7,265,968
Extra Interest Paid
₹ 4,136,526
Final Outcome
₹ 3,129,442
Profit from SIP strategy
Analysis
For ₹8,000,000 loan at 12%, investing savings can generate ₹7,265,968.
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