EMI vs SIP for ₹8,300,000

8 Years @ 7%

Original Plan

8 Years @ 7%

EMI: ₹ 113,160

Extended Plan

13 Years (Reduced EMI)

EMI: ₹ 81,180

Monthly Savings

₹ 31,980

SIP Investment

@ 12% for 13 years

₹ 12,022,165

Extra Interest Paid

₹ 1,800,758

Final Outcome

₹ 10,221,406

Profit from SIP strategy

Analysis

For ₹8,300,000 loan at 7%, investing savings can generate ₹12,022,165.

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