EMI vs SIP for ₹8,100,000
10 Years @ 12%
Original Plan
10 Years @ 12%
EMI: ₹ 116,211
Extended Plan
15 Years (Reduced EMI)
EMI: ₹ 97,214
Monthly Savings
₹ 18,998
SIP Investment
@ 12% for 15 years
₹ 9,585,862
Extra Interest Paid
₹ 3,553,074
Final Outcome
₹ 6,032,788
Profit from SIP strategy
Analysis
For ₹8,100,000 loan at 12%, investing savings can generate ₹9,585,862.
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