EMI vs SIP for ₹8,000,000
18 Years @ 12%
Original Plan
18 Years @ 12%
EMI: ₹ 90,556
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 85,485
Monthly Savings
₹ 5,071
SIP Investment
@ 12% for 23 years
₹ 7,469,638
Extra Interest Paid
₹ 4,033,810
Final Outcome
₹ 3,435,828
Profit from SIP strategy
Analysis
For ₹8,000,000 loan at 12%, investing savings can generate ₹7,469,638.
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