EMI vs SIP for ₹8,200,000
10 Years @ 12%
Original Plan
10 Years @ 12%
EMI: ₹ 117,646
Extended Plan
15 Years (Reduced EMI)
EMI: ₹ 98,414
Monthly Savings
₹ 19,232
SIP Investment
@ 12% for 15 years
₹ 9,704,206
Extra Interest Paid
₹ 3,596,939
Final Outcome
₹ 6,107,266
Profit from SIP strategy
Analysis
For ₹8,200,000 loan at 12%, investing savings can generate ₹9,704,206.
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