EMI vs SIP for ₹6,400,000
11 Years @ 12%
Original Plan
11 Years @ 12%
EMI: ₹ 87,538
Extended Plan
16 Years (Reduced EMI)
EMI: ₹ 75,118
Monthly Savings
₹ 12,420
SIP Investment
@ 12% for 16 years
₹ 7,220,727
Extra Interest Paid
₹ 2,867,662
Final Outcome
₹ 4,353,064
Profit from SIP strategy
Analysis
For ₹6,400,000 loan at 12%, investing savings can generate ₹7,220,727.
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