EMI vs SIP for ₹8,100,000
26 Years @ 12%
Original Plan
26 Years @ 12%
EMI: ₹ 84,803
Extended Plan
31 Years (Reduced EMI)
EMI: ₹ 83,050
Monthly Savings
₹ 1,753
SIP Investment
@ 12% for 31 years
₹ 6,995,104
Extra Interest Paid
₹ 4,436,080
Final Outcome
₹ 2,559,024
Profit from SIP strategy
Analysis
For ₹8,100,000 loan at 12%, investing savings can generate ₹6,995,104.
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