EMI vs SIP for ₹8,600,000
5 Years @ 12%
Original Plan
5 Years @ 12%
EMI: ₹ 191,302
Extended Plan
10 Years (Reduced EMI)
EMI: ₹ 123,385
Monthly Savings
₹ 67,917
SIP Investment
@ 12% for 10 years
₹ 15,779,828
Extra Interest Paid
₹ 3,328,067
Final Outcome
₹ 12,451,761
Profit from SIP strategy
Analysis
For ₹8,600,000 loan at 12%, investing savings can generate ₹15,779,828.
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