EMI vs SIP for ₹6,900,000

23 Years @ 8%

Original Plan

23 Years @ 8%

EMI: ₹ 54,748

Extended Plan

28 Years (Reduced EMI)

EMI: ₹ 51,526

Monthly Savings

₹ 3,222

SIP Investment

@ 12% for 28 years

₹ 8,887,835

Extra Interest Paid

₹ 2,202,341

Final Outcome

₹ 6,685,493

Profit from SIP strategy

Analysis

For ₹6,900,000 loan at 8%, investing savings can generate ₹8,887,835.

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