EMI vs SIP for ₹8,100,000
30 Years @ 12%
Original Plan
30 Years @ 12%
EMI: ₹ 83,318
Extended Plan
35 Years (Reduced EMI)
EMI: ₹ 82,260
Monthly Savings
₹ 1,058
SIP Investment
@ 12% for 35 years
₹ 6,872,568
Extra Interest Paid
₹ 4,554,660
Final Outcome
₹ 2,317,908
Profit from SIP strategy
Analysis
For ₹8,100,000 loan at 12%, investing savings can generate ₹6,872,568.
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