EMI vs SIP for ₹8,100,000
21 Years @ 12%
Original Plan
21 Years @ 12%
EMI: ₹ 88,185
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 84,803
Monthly Savings
₹ 3,382
SIP Investment
@ 12% for 26 years
₹ 7,274,033
Extra Interest Paid
₹ 4,236,045
Final Outcome
₹ 3,037,988
Profit from SIP strategy
Analysis
For ₹8,100,000 loan at 12%, investing savings can generate ₹7,274,033.
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