EMI vs SIP for ₹8,500,000
20 Years @ 12%
Original Plan
20 Years @ 12%
EMI: ₹ 93,592
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 89,524
Monthly Savings
₹ 4,068
SIP Investment
@ 12% for 25 years
₹ 7,720,091
Extra Interest Paid
₹ 4,395,059
Final Outcome
₹ 3,325,032
Profit from SIP strategy
Analysis
For ₹8,500,000 loan at 12%, investing savings can generate ₹7,720,091.
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