EMI vs SIP for ₹8,400,000
16 Years @ 12%
Original Plan
16 Years @ 12%
EMI: ₹ 98,593
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 91,451
Monthly Savings
₹ 7,142
SIP Investment
@ 12% for 21 years
₹ 8,132,571
Extra Interest Paid
₹ 4,115,755
Final Outcome
₹ 4,016,816
Profit from SIP strategy
Analysis
For ₹8,400,000 loan at 12%, investing savings can generate ₹8,132,571.
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