EMI vs SIP for ₹8,200,000

7 Years @ 11%

Original Plan

7 Years @ 11%

EMI: ₹ 140,404

Extended Plan

12 Years (Reduced EMI)

EMI: ₹ 102,792

Monthly Savings

₹ 37,612

SIP Investment

@ 12% for 12 years

₹ 12,120,693

Extra Interest Paid

₹ 3,008,046

Final Outcome

₹ 9,112,647

Profit from SIP strategy

Analysis

For ₹8,200,000 loan at 11%, investing savings can generate ₹12,120,693.

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