EMI vs SIP for ₹8,700,000
26 Years @ 12%
Original Plan
26 Years @ 12%
EMI: ₹ 91,085
Extended Plan
31 Years (Reduced EMI)
EMI: ₹ 89,202
Monthly Savings
₹ 1,883
SIP Investment
@ 12% for 31 years
₹ 7,513,259
Extra Interest Paid
₹ 4,764,679
Final Outcome
₹ 2,748,581
Profit from SIP strategy
Analysis
For ₹8,700,000 loan at 12%, investing savings can generate ₹7,513,259.
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