EMI vs SIP for ₹8,600,000
21 Years @ 12%
Original Plan
21 Years @ 12%
EMI: ₹ 93,628
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 90,038
Monthly Savings
₹ 3,590
SIP Investment
@ 12% for 26 years
₹ 7,723,048
Extra Interest Paid
₹ 4,497,530
Final Outcome
₹ 3,225,518
Profit from SIP strategy
Analysis
For ₹8,600,000 loan at 12%, investing savings can generate ₹7,723,048.
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