EMI vs SIP for ₹8,100,000

18 Years @ 11%

Original Plan

18 Years @ 11%

EMI: ₹ 86,269

Extended Plan

23 Years (Reduced EMI)

EMI: ₹ 80,758

Monthly Savings

₹ 5,511

SIP Investment

@ 12% for 23 years

₹ 8,118,568

Extra Interest Paid

₹ 3,655,002

Final Outcome

₹ 4,463,566

Profit from SIP strategy

Analysis

For ₹8,100,000 loan at 11%, investing savings can generate ₹8,118,568.

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