EMI vs SIP for ₹8,900,000
20 Years @ 12%
Original Plan
20 Years @ 12%
EMI: ₹ 97,997
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 93,737
Monthly Savings
₹ 4,260
SIP Investment
@ 12% for 25 years
₹ 8,083,389
Extra Interest Paid
₹ 4,601,885
Final Outcome
₹ 3,481,504
Profit from SIP strategy
Analysis
For ₹8,900,000 loan at 12%, investing savings can generate ₹8,083,389.
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