EMI vs SIP for ₹8,200,000

24 Years @ 7%

Original Plan

24 Years @ 7%

EMI: ₹ 58,856

Extended Plan

29 Years (Reduced EMI)

EMI: ₹ 55,115

Monthly Savings

₹ 3,742

SIP Investment

@ 12% for 29 years

₹ 11,678,540

Extra Interest Paid

₹ 2,229,293

Final Outcome

₹ 9,449,247

Profit from SIP strategy

Analysis

For ₹8,200,000 loan at 7%, investing savings can generate ₹11,678,540.

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