EMI vs SIP for ₹8,100,000

7 Years @ 8%

Original Plan

7 Years @ 8%

EMI: ₹ 126,248

Extended Plan

12 Years (Reduced EMI)

EMI: ₹ 87,679

Monthly Savings

₹ 38,570

SIP Investment

@ 12% for 12 years

₹ 12,429,162

Extra Interest Paid

₹ 2,020,867

Final Outcome

₹ 10,408,296

Profit from SIP strategy

Analysis

For ₹8,100,000 loan at 8%, investing savings can generate ₹12,429,162.

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