EMI vs SIP for ₹8,600,000
26 Years @ 12%
Original Plan
26 Years @ 12%
EMI: ₹ 90,038
Extended Plan
31 Years (Reduced EMI)
EMI: ₹ 88,177
Monthly Savings
₹ 1,861
SIP Investment
@ 12% for 31 years
₹ 7,426,900
Extra Interest Paid
₹ 4,709,912
Final Outcome
₹ 2,716,988
Profit from SIP strategy
Analysis
For ₹8,600,000 loan at 12%, investing savings can generate ₹7,426,900.
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