EMI vs SIP for ₹8,600,000

12 Years @ 10%

Original Plan

12 Years @ 10%

EMI: ₹ 102,777

Extended Plan

17 Years (Reduced EMI)

EMI: ₹ 87,824

Monthly Savings

₹ 14,953

SIP Investment

@ 12% for 17 years

₹ 9,987,174

Extra Interest Paid

₹ 3,116,267

Final Outcome

₹ 6,870,907

Profit from SIP strategy

Analysis

For ₹8,600,000 loan at 10%, investing savings can generate ₹9,987,174.

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