EMI vs SIP for ₹8,400,000
18 Years @ 12%
Original Plan
18 Years @ 12%
EMI: ₹ 95,084
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 89,759
Monthly Savings
₹ 5,324
SIP Investment
@ 12% for 23 years
₹ 7,843,120
Extra Interest Paid
₹ 4,235,500
Final Outcome
₹ 3,607,619
Profit from SIP strategy
Analysis
For ₹8,400,000 loan at 12%, investing savings can generate ₹7,843,120.
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