EMI vs SIP for ₹8,300,000
18 Years @ 12%
Original Plan
18 Years @ 12%
EMI: ₹ 93,952
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 88,691
Monthly Savings
₹ 5,261
SIP Investment
@ 12% for 23 years
₹ 7,749,749
Extra Interest Paid
₹ 4,185,078
Final Outcome
₹ 3,564,671
Profit from SIP strategy
Analysis
For ₹8,300,000 loan at 12%, investing savings can generate ₹7,749,749.
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