EMI vs SIP for ₹8,100,000
15 Years @ 12%
Original Plan
15 Years @ 12%
EMI: ₹ 97,214
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 89,188
Monthly Savings
₹ 8,026
SIP Investment
@ 12% for 20 years
₹ 8,018,798
Extra Interest Paid
₹ 3,906,664
Final Outcome
₹ 4,112,134
Profit from SIP strategy
Analysis
For ₹8,100,000 loan at 12%, investing savings can generate ₹8,018,798.
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