EMI vs SIP for ₹8,100,000

11 Years @ 11%

Original Plan

11 Years @ 11%

EMI: ₹ 106,048

Extended Plan

16 Years (Reduced EMI)

EMI: ₹ 89,829

Monthly Savings

₹ 16,219

SIP Investment

@ 12% for 16 years

₹ 9,429,370

Extra Interest Paid

₹ 3,248,835

Final Outcome

₹ 6,180,535

Profit from SIP strategy

Analysis

For ₹8,100,000 loan at 11%, investing savings can generate ₹9,429,370.

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