EMI vs SIP for ₹8,100,000
23 Years @ 12%
Original Plan
23 Years @ 12%
EMI: ₹ 86,554
Extended Plan
28 Years (Reduced EMI)
EMI: ₹ 83,966
Monthly Savings
₹ 2,588
SIP Investment
@ 12% for 28 years
₹ 7,139,505
Extra Interest Paid
₹ 4,323,622
Final Outcome
₹ 2,815,883
Profit from SIP strategy
Analysis
For ₹8,100,000 loan at 12%, investing savings can generate ₹7,139,505.
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