EMI vs SIP for ₹8,100,000
19 Years @ 12%
Original Plan
19 Years @ 12%
EMI: ₹ 90,346
Extended Plan
24 Years (Reduced EMI)
EMI: ₹ 85,891
Monthly Savings
₹ 4,455
SIP Investment
@ 12% for 24 years
₹ 7,452,333
Extra Interest Paid
₹ 4,137,646
Final Outcome
₹ 3,314,687
Profit from SIP strategy
Analysis
For ₹8,100,000 loan at 12%, investing savings can generate ₹7,452,333.
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