EMI vs SIP for ₹8,000,000

8 Years @ 7%

Original Plan

8 Years @ 7%

EMI: ₹ 109,070

Extended Plan

13 Years (Reduced EMI)

EMI: ₹ 78,246

Monthly Savings

₹ 30,824

SIP Investment

@ 12% for 13 years

₹ 11,587,628

Extra Interest Paid

₹ 1,735,671

Final Outcome

₹ 9,851,958

Profit from SIP strategy

Analysis

For ₹8,000,000 loan at 7%, investing savings can generate ₹11,587,628.

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