EMI vs SIP for ₹8,300,000

25 Years @ 11%

Original Plan

25 Years @ 11%

EMI: ₹ 81,349

Extended Plan

30 Years (Reduced EMI)

EMI: ₹ 79,043

Monthly Savings

₹ 2,307

SIP Investment

@ 12% for 30 years

₹ 8,141,900

Extra Interest Paid

₹ 4,050,607

Final Outcome

₹ 4,091,292

Profit from SIP strategy

Analysis

For ₹8,300,000 loan at 11%, investing savings can generate ₹8,141,900.

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