EMI vs SIP for ₹8,600,000
15 Years @ 8%
Original Plan
15 Years @ 8%
EMI: ₹ 82,186
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 71,934
Monthly Savings
₹ 10,252
SIP Investment
@ 12% for 20 years
₹ 10,243,498
Extra Interest Paid
₹ 2,470,629
Final Outcome
₹ 7,772,869
Profit from SIP strategy
Analysis
For ₹8,600,000 loan at 8%, investing savings can generate ₹10,243,498.
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