EMI vs SIP for ₹8,000,000
10 Years @ 12%
Original Plan
10 Years @ 12%
EMI: ₹ 114,777
Extended Plan
15 Years (Reduced EMI)
EMI: ₹ 96,013
Monthly Savings
₹ 18,763
SIP Investment
@ 12% for 15 years
₹ 9,467,518
Extra Interest Paid
₹ 3,509,209
Final Outcome
₹ 5,958,309
Profit from SIP strategy
Analysis
For ₹8,000,000 loan at 12%, investing savings can generate ₹9,467,518.
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