EMI vs SIP for ₹8,500,000
30 Years @ 12%
Original Plan
30 Years @ 12%
EMI: ₹ 87,432
Extended Plan
35 Years (Reduced EMI)
EMI: ₹ 86,322
Monthly Savings
₹ 1,110
SIP Investment
@ 12% for 35 years
₹ 7,211,954
Extra Interest Paid
₹ 4,779,582
Final Outcome
₹ 2,432,372
Profit from SIP strategy
Analysis
For ₹8,500,000 loan at 12%, investing savings can generate ₹7,211,954.
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