EMI vs SIP for ₹8,100,000

7 Years @ 11%

Original Plan

7 Years @ 11%

EMI: ₹ 138,692

Extended Plan

12 Years (Reduced EMI)

EMI: ₹ 101,538

Monthly Savings

₹ 37,154

SIP Investment

@ 12% for 12 years

₹ 11,972,880

Extra Interest Paid

₹ 2,971,363

Final Outcome

₹ 9,001,517

Profit from SIP strategy

Analysis

For ₹8,100,000 loan at 11%, investing savings can generate ₹11,972,880.

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