EMI vs SIP for ₹8,200,000

30 Years @ 10%

Original Plan

30 Years @ 10%

EMI: ₹ 71,961

Extended Plan

35 Years (Reduced EMI)

EMI: ₹ 70,493

Monthly Savings

₹ 1,468

SIP Investment

@ 12% for 35 years

₹ 9,533,300

Extra Interest Paid

₹ 3,701,206

Final Outcome

₹ 5,832,095

Profit from SIP strategy

Analysis

For ₹8,200,000 loan at 10%, investing savings can generate ₹9,533,300.

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