EMI vs SIP for ₹8,000,000

27 Years @ 9%

Original Plan

27 Years @ 9%

EMI: ₹ 65,850

Extended Plan

32 Years (Reduced EMI)

EMI: ₹ 63,609

Monthly Savings

₹ 2,241

SIP Investment

@ 12% for 32 years

₹ 10,104,261

Extra Interest Paid

₹ 3,090,549

Final Outcome

₹ 7,013,712

Profit from SIP strategy

Analysis

For ₹8,000,000 loan at 9%, investing savings can generate ₹10,104,261.

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