EMI vs SIP for ₹6,400,000
8 Years @ 12%
Original Plan
8 Years @ 12%
EMI: ₹ 104,018
Extended Plan
13 Years (Reduced EMI)
EMI: ₹ 81,195
Monthly Savings
₹ 22,824
SIP Investment
@ 12% for 13 years
₹ 8,580,082
Extra Interest Paid
₹ 2,680,618
Final Outcome
₹ 5,899,464
Profit from SIP strategy
Analysis
For ₹6,400,000 loan at 12%, investing savings can generate ₹8,580,082.
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