EMI vs SIP for ₹8,100,000
18 Years @ 12%
Original Plan
18 Years @ 12%
EMI: ₹ 91,688
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 86,554
Monthly Savings
₹ 5,134
SIP Investment
@ 12% for 23 years
₹ 7,563,008
Extra Interest Paid
₹ 4,084,233
Final Outcome
₹ 3,478,776
Profit from SIP strategy
Analysis
For ₹8,100,000 loan at 12%, investing savings can generate ₹7,563,008.
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