EMI vs SIP for ₹8,400,000
20 Years @ 12%
Original Plan
20 Years @ 12%
EMI: ₹ 92,491
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 88,471
Monthly Savings
₹ 4,020
SIP Investment
@ 12% for 25 years
₹ 7,629,266
Extra Interest Paid
₹ 4,343,352
Final Outcome
₹ 3,285,914
Profit from SIP strategy
Analysis
For ₹8,400,000 loan at 12%, investing savings can generate ₹7,629,266.
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