EMI vs SIP for ₹8,000,000
26 Years @ 12%
Original Plan
26 Years @ 12%
EMI: ₹ 83,756
Extended Plan
31 Years (Reduced EMI)
EMI: ₹ 82,025
Monthly Savings
₹ 1,731
SIP Investment
@ 12% for 31 years
₹ 6,908,744
Extra Interest Paid
₹ 4,381,314
Final Outcome
₹ 2,527,431
Profit from SIP strategy
Analysis
For ₹8,000,000 loan at 12%, investing savings can generate ₹6,908,744.
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