EMI vs SIP for ₹8,500,000

11 Years @ 8%

Original Plan

11 Years @ 8%

EMI: ₹ 97,031

Extended Plan

16 Years (Reduced EMI)

EMI: ₹ 78,619

Monthly Savings

₹ 18,413

SIP Investment

@ 12% for 16 years

₹ 10,704,726

Extra Interest Paid

₹ 2,286,645

Final Outcome

₹ 8,418,081

Profit from SIP strategy

Analysis

For ₹8,500,000 loan at 8%, investing savings can generate ₹10,704,726.

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