EMI vs SIP for ₹8,000,000

26 Years @ 11%

Original Plan

26 Years @ 11%

EMI: ₹ 77,850

Extended Plan

31 Years (Reduced EMI)

EMI: ₹ 75,880

Monthly Savings

₹ 1,970

SIP Investment

@ 12% for 31 years

₹ 7,862,861

Extra Interest Paid

₹ 3,938,007

Final Outcome

₹ 3,924,854

Profit from SIP strategy

Analysis

For ₹8,000,000 loan at 11%, investing savings can generate ₹7,862,861.

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