EMI vs SIP for ₹8,000,000
25 Years @ 12%
Original Plan
25 Years @ 12%
EMI: ₹ 84,258
Extended Plan
30 Years (Reduced EMI)
EMI: ₹ 82,289
Monthly Savings
₹ 1,969
SIP Investment
@ 12% for 30 years
₹ 6,950,131
Extra Interest Paid
₹ 4,346,663
Final Outcome
₹ 2,603,467
Profit from SIP strategy
Analysis
For ₹8,000,000 loan at 12%, investing savings can generate ₹6,950,131.
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