EMI vs SIP for ₹6,700,000

21 Years @ 8%

Original Plan

21 Years @ 8%

EMI: ₹ 54,969

Extended Plan

26 Years (Reduced EMI)

EMI: ₹ 51,094

Monthly Savings

₹ 3,875

SIP Investment

@ 12% for 26 years

₹ 8,334,698

Extra Interest Paid

₹ 2,089,245

Final Outcome

₹ 6,245,452

Profit from SIP strategy

Analysis

For ₹6,700,000 loan at 8%, investing savings can generate ₹8,334,698.

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