EMI vs SIP for ₹8,000,000
16 Years @ 12%
Original Plan
16 Years @ 12%
EMI: ₹ 93,898
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 87,096
Monthly Savings
₹ 6,802
SIP Investment
@ 12% for 21 years
₹ 7,745,306
Extra Interest Paid
₹ 3,919,767
Final Outcome
₹ 3,825,539
Profit from SIP strategy
Analysis
For ₹8,000,000 loan at 12%, investing savings can generate ₹7,745,306.
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