EMI vs SIP for ₹8,300,000

7 Years @ 7%

Original Plan

7 Years @ 7%

EMI: ₹ 125,269

Extended Plan

12 Years (Reduced EMI)

EMI: ₹ 85,356

Monthly Savings

₹ 39,914

SIP Investment

@ 12% for 12 years

₹ 12,862,249

Extra Interest Paid

₹ 1,768,594

Final Outcome

₹ 11,093,654

Profit from SIP strategy

Analysis

For ₹8,300,000 loan at 7%, investing savings can generate ₹12,862,249.

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