EMI vs SIP for ₹8,000,000
21 Years @ 12%
Original Plan
21 Years @ 12%
EMI: ₹ 87,096
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 83,756
Monthly Savings
₹ 3,340
SIP Investment
@ 12% for 26 years
₹ 7,184,230
Extra Interest Paid
₹ 4,183,749
Final Outcome
₹ 3,000,482
Profit from SIP strategy
Analysis
For ₹8,000,000 loan at 12%, investing savings can generate ₹7,184,230.
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