EMI vs SIP for ₹8,100,000

26 Years @ 11%

Original Plan

26 Years @ 11%

EMI: ₹ 78,823

Extended Plan

31 Years (Reduced EMI)

EMI: ₹ 76,828

Monthly Savings

₹ 1,995

SIP Investment

@ 12% for 31 years

₹ 7,961,147

Extra Interest Paid

₹ 3,987,232

Final Outcome

₹ 3,973,915

Profit from SIP strategy

Analysis

For ₹8,100,000 loan at 11%, investing savings can generate ₹7,961,147.

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