EMI vs SIP for ₹8,000,000
27 Years @ 12%
Original Plan
27 Years @ 12%
EMI: ₹ 83,316
Extended Plan
32 Years (Reduced EMI)
EMI: ₹ 81,792
Monthly Savings
₹ 1,524
SIP Investment
@ 12% for 32 years
₹ 6,872,427
Extra Interest Paid
₹ 4,413,717
Final Outcome
₹ 2,458,710
Profit from SIP strategy
Analysis
For ₹8,000,000 loan at 12%, investing savings can generate ₹6,872,427.
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