EMI vs SIP for ₹8,200,000
21 Years @ 12%
Original Plan
21 Years @ 12%
EMI: ₹ 89,273
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 85,850
Monthly Savings
₹ 3,423
SIP Investment
@ 12% for 26 years
₹ 7,363,836
Extra Interest Paid
₹ 4,288,342
Final Outcome
₹ 3,075,494
Profit from SIP strategy
Analysis
For ₹8,200,000 loan at 12%, investing savings can generate ₹7,363,836.
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