EMI vs SIP for ₹8,000,000
28 Years @ 12%
Original Plan
28 Years @ 12%
EMI: ₹ 82,929
Extended Plan
33 Years (Reduced EMI)
EMI: ₹ 81,586
Monthly Savings
₹ 1,343
SIP Investment
@ 12% for 33 years
₹ 6,840,515
Extra Interest Paid
₹ 4,443,971
Final Outcome
₹ 2,396,544
Profit from SIP strategy
Analysis
For ₹8,000,000 loan at 12%, investing savings can generate ₹6,840,515.
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