EMI vs SIP for ₹8,600,000
15 Years @ 12%
Original Plan
15 Years @ 12%
EMI: ₹ 103,214
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 94,693
Monthly Savings
₹ 8,521
SIP Investment
@ 12% for 20 years
₹ 8,513,785
Extra Interest Paid
₹ 4,147,816
Final Outcome
₹ 4,365,969
Profit from SIP strategy
Analysis
For ₹8,600,000 loan at 12%, investing savings can generate ₹8,513,785.
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