EMI vs SIP for ₹8,600,000
18 Years @ 12%
Original Plan
18 Years @ 12%
EMI: ₹ 97,348
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 91,897
Monthly Savings
₹ 5,451
SIP Investment
@ 12% for 23 years
₹ 8,029,861
Extra Interest Paid
₹ 4,336,346
Final Outcome
₹ 3,693,515
Profit from SIP strategy
Analysis
For ₹8,600,000 loan at 12%, investing savings can generate ₹8,029,861.
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