EMI vs SIP for ₹8,600,000
20 Years @ 12%
Original Plan
20 Years @ 12%
EMI: ₹ 94,693
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 90,577
Monthly Savings
₹ 4,116
SIP Investment
@ 12% for 25 years
₹ 7,810,915
Extra Interest Paid
₹ 4,446,765
Final Outcome
₹ 3,364,150
Profit from SIP strategy
Analysis
For ₹8,600,000 loan at 12%, investing savings can generate ₹7,810,915.
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