EMI vs SIP for ₹6,400,000

7 Years @ 8%

Original Plan

7 Years @ 8%

EMI: ₹ 99,752

Extended Plan

12 Years (Reduced EMI)

EMI: ₹ 69,277

Monthly Savings

₹ 30,475

SIP Investment

@ 12% for 12 years

₹ 9,820,573

Extra Interest Paid

₹ 1,596,734

Final Outcome

₹ 8,223,839

Profit from SIP strategy

Analysis

For ₹6,400,000 loan at 8%, investing savings can generate ₹9,820,573.

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