EMI vs SIP for ₹6,800,000

6 Years @ 8%

Original Plan

6 Years @ 8%

EMI: ₹ 119,226

Extended Plan

11 Years (Reduced EMI)

EMI: ₹ 77,625

Monthly Savings

₹ 41,601

SIP Investment

@ 12% for 11 years

₹ 11,424,250

Extra Interest Paid

₹ 1,662,231

Final Outcome

₹ 9,762,020

Profit from SIP strategy

Analysis

For ₹6,800,000 loan at 8%, investing savings can generate ₹11,424,250.

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