EMI vs SIP for ₹8,200,000

26 Years @ 10%

Original Plan

26 Years @ 10%

EMI: ₹ 73,880

Extended Plan

31 Years (Reduced EMI)

EMI: ₹ 71,601

Monthly Savings

₹ 2,280

SIP Investment

@ 12% for 31 years

₹ 9,096,239

Extra Interest Paid

₹ 3,584,822

Final Outcome

₹ 5,511,417

Profit from SIP strategy

Analysis

For ₹8,200,000 loan at 10%, investing savings can generate ₹9,096,239.

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