EMI vs SIP for ₹8,700,000

20 Years @ 10%

Original Plan

20 Years @ 10%

EMI: ₹ 83,957

Extended Plan

25 Years (Reduced EMI)

EMI: ₹ 79,057

Monthly Savings

₹ 4,900

SIP Investment

@ 12% for 25 years

₹ 9,298,257

Extra Interest Paid

₹ 3,567,438

Final Outcome

₹ 5,730,819

Profit from SIP strategy

Analysis

For ₹8,700,000 loan at 10%, investing savings can generate ₹9,298,257.

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