EMI vs SIP for ₹8,900,000
18 Years @ 12%
Original Plan
18 Years @ 12%
EMI: ₹ 100,744
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 95,102
Monthly Savings
₹ 5,641
SIP Investment
@ 12% for 23 years
₹ 8,309,972
Extra Interest Paid
₹ 4,487,614
Final Outcome
₹ 3,822,359
Profit from SIP strategy
Analysis
For ₹8,900,000 loan at 12%, investing savings can generate ₹8,309,972.
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