EMI vs SIP for ₹8,600,000
25 Years @ 12%
Original Plan
25 Years @ 12%
EMI: ₹ 90,577
Extended Plan
30 Years (Reduced EMI)
EMI: ₹ 88,461
Monthly Savings
₹ 2,117
SIP Investment
@ 12% for 30 years
₹ 7,471,390
Extra Interest Paid
₹ 4,672,663
Final Outcome
₹ 2,798,727
Profit from SIP strategy
Analysis
For ₹8,600,000 loan at 12%, investing savings can generate ₹7,471,390.
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