EMI vs SIP for ₹8,000,000
15 Years @ 12%
Original Plan
15 Years @ 12%
EMI: ₹ 96,013
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 88,087
Monthly Savings
₹ 7,927
SIP Investment
@ 12% for 20 years
₹ 7,919,800
Extra Interest Paid
₹ 3,858,434
Final Outcome
₹ 4,061,367
Profit from SIP strategy
Analysis
For ₹8,000,000 loan at 12%, investing savings can generate ₹7,919,800.
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