EMI vs SIP for ₹6,900,000

28 Years @ 8%

Original Plan

28 Years @ 8%

EMI: ₹ 51,526

Extended Plan

33 Years (Reduced EMI)

EMI: ₹ 49,568

Monthly Savings

₹ 1,958

SIP Investment

@ 12% for 33 years

₹ 9,973,828

Extra Interest Paid

₹ 2,316,230

Final Outcome

₹ 7,657,598

Profit from SIP strategy

Analysis

For ₹6,900,000 loan at 8%, investing savings can generate ₹9,973,828.

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