EMI vs SIP for ₹8,600,000
8 Years @ 12%
Original Plan
8 Years @ 12%
EMI: ₹ 139,774
Extended Plan
13 Years (Reduced EMI)
EMI: ₹ 109,105
Monthly Savings
₹ 30,669
SIP Investment
@ 12% for 13 years
₹ 11,529,485
Extra Interest Paid
₹ 3,602,080
Final Outcome
₹ 7,927,405
Profit from SIP strategy
Analysis
For ₹8,600,000 loan at 12%, investing savings can generate ₹11,529,485.
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