EMI vs SIP for ₹8,700,000
18 Years @ 12%
Original Plan
18 Years @ 12%
EMI: ₹ 98,480
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 92,965
Monthly Savings
₹ 5,515
SIP Investment
@ 12% for 23 years
₹ 8,123,231
Extra Interest Paid
₹ 4,386,768
Final Outcome
₹ 3,736,463
Profit from SIP strategy
Analysis
For ₹8,700,000 loan at 12%, investing savings can generate ₹8,123,231.
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