EMI vs SIP for ₹8,600,000
19 Years @ 12%
Original Plan
19 Years @ 12%
EMI: ₹ 95,923
Extended Plan
24 Years (Reduced EMI)
EMI: ₹ 91,193
Monthly Savings
₹ 4,730
SIP Investment
@ 12% for 24 years
₹ 7,912,353
Extra Interest Paid
₹ 4,393,056
Final Outcome
₹ 3,519,297
Profit from SIP strategy
Analysis
For ₹8,600,000 loan at 12%, investing savings can generate ₹7,912,353.
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