EMI vs SIP for ₹8,200,000
15 Years @ 12%
Original Plan
15 Years @ 12%
EMI: ₹ 98,414
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 90,289
Monthly Savings
₹ 8,125
SIP Investment
@ 12% for 20 years
₹ 8,117,795
Extra Interest Paid
₹ 3,954,895
Final Outcome
₹ 4,162,901
Profit from SIP strategy
Analysis
For ₹8,200,000 loan at 12%, investing savings can generate ₹8,117,795.
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