EMI vs SIP for ₹8,100,000
20 Years @ 12%
Original Plan
20 Years @ 12%
EMI: ₹ 89,188
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 85,311
Monthly Savings
₹ 3,877
SIP Investment
@ 12% for 25 years
₹ 7,356,792
Extra Interest Paid
₹ 4,188,232
Final Outcome
₹ 3,168,560
Profit from SIP strategy
Analysis
For ₹8,100,000 loan at 12%, investing savings can generate ₹7,356,792.
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