EMI vs SIP for ₹8,300,000
20 Years @ 12%
Original Plan
20 Years @ 12%
EMI: ₹ 91,390
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 87,418
Monthly Savings
₹ 3,973
SIP Investment
@ 12% for 25 years
₹ 7,538,441
Extra Interest Paid
₹ 4,291,645
Final Outcome
₹ 3,246,796
Profit from SIP strategy
Analysis
For ₹8,300,000 loan at 12%, investing savings can generate ₹7,538,441.
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