EMI vs SIP for ₹8,500,000

20 Years @ 7%

Original Plan

20 Years @ 7%

EMI: ₹ 65,900

Extended Plan

25 Years (Reduced EMI)

EMI: ₹ 60,076

Monthly Savings

₹ 5,824

SIP Investment

@ 12% for 25 years

₹ 11,052,164

Extra Interest Paid

₹ 2,206,771

Final Outcome

₹ 8,845,393

Profit from SIP strategy

Analysis

For ₹8,500,000 loan at 7%, investing savings can generate ₹11,052,164.

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