EMI vs SIP for ₹8,000,000

15 Years @ 7%

Original Plan

15 Years @ 7%

EMI: ₹ 71,906

Extended Plan

20 Years (Reduced EMI)

EMI: ₹ 62,024

Monthly Savings

₹ 9,882

SIP Investment

@ 12% for 20 years

₹ 9,873,926

Extra Interest Paid

₹ 1,942,612

Final Outcome

₹ 7,931,314

Profit from SIP strategy

Analysis

For ₹8,000,000 loan at 7%, investing savings can generate ₹9,873,926.

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