EMI vs SIP for ₹8,000,000
30 Years @ 12%
Original Plan
30 Years @ 12%
EMI: ₹ 82,289
Extended Plan
35 Years (Reduced EMI)
EMI: ₹ 81,244
Monthly Savings
₹ 1,045
SIP Investment
@ 12% for 35 years
₹ 6,787,721
Extra Interest Paid
₹ 4,498,430
Final Outcome
₹ 2,289,291
Profit from SIP strategy
Analysis
For ₹8,000,000 loan at 12%, investing savings can generate ₹6,787,721.
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