EMI vs SIP for ₹8,900,000
15 Years @ 12%
Original Plan
15 Years @ 12%
EMI: ₹ 106,815
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 97,997
Monthly Savings
₹ 8,818
SIP Investment
@ 12% for 20 years
₹ 8,810,778
Extra Interest Paid
₹ 4,292,507
Final Outcome
₹ 4,518,270
Profit from SIP strategy
Analysis
For ₹8,900,000 loan at 12%, investing savings can generate ₹8,810,778.
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