EMI vs SIP for ₹8,600,000
30 Years @ 12%
Original Plan
30 Years @ 12%
EMI: ₹ 88,461
Extended Plan
35 Years (Reduced EMI)
EMI: ₹ 87,337
Monthly Savings
₹ 1,123
SIP Investment
@ 12% for 35 years
₹ 7,296,800
Extra Interest Paid
₹ 4,835,812
Final Outcome
₹ 2,460,988
Profit from SIP strategy
Analysis
For ₹8,600,000 loan at 12%, investing savings can generate ₹7,296,800.
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