EMI vs SIP for ₹8,000,000
23 Years @ 12%
Original Plan
23 Years @ 12%
EMI: ₹ 85,485
Extended Plan
28 Years (Reduced EMI)
EMI: ₹ 82,929
Monthly Savings
₹ 2,556
SIP Investment
@ 12% for 28 years
₹ 7,051,363
Extra Interest Paid
₹ 4,270,244
Final Outcome
₹ 2,781,119
Profit from SIP strategy
Analysis
For ₹8,000,000 loan at 12%, investing savings can generate ₹7,051,363.
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