EMI vs SIP for ₹8,500,000
18 Years @ 12%
Original Plan
18 Years @ 12%
EMI: ₹ 96,216
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 90,828
Monthly Savings
₹ 5,388
SIP Investment
@ 12% for 23 years
₹ 7,936,490
Extra Interest Paid
₹ 4,285,923
Final Outcome
₹ 3,650,567
Profit from SIP strategy
Analysis
For ₹8,500,000 loan at 12%, investing savings can generate ₹7,936,490.
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