EMI vs SIP for ₹8,600,000
13 Years @ 12%
Original Plan
13 Years @ 12%
EMI: ₹ 109,105
Extended Plan
18 Years (Reduced EMI)
EMI: ₹ 97,348
Monthly Savings
₹ 11,758
SIP Investment
@ 12% for 18 years
₹ 8,999,699
Extra Interest Paid
₹ 4,006,684
Final Outcome
₹ 4,993,015
Profit from SIP strategy
Analysis
For ₹8,600,000 loan at 12%, investing savings can generate ₹8,999,699.
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