EMI vs SIP for ₹8,000,000
22 Years @ 12%
Original Plan
22 Years @ 12%
EMI: ₹ 86,235
Extended Plan
27 Years (Reduced EMI)
EMI: ₹ 83,316
Monthly Savings
₹ 2,919
SIP Investment
@ 12% for 27 years
₹ 7,113,217
Extra Interest Paid
₹ 4,228,297
Final Outcome
₹ 2,884,920
Profit from SIP strategy
Analysis
For ₹8,000,000 loan at 12%, investing savings can generate ₹7,113,217.
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