EMI vs SIP for ₹8,700,000
20 Years @ 12%
Original Plan
20 Years @ 12%
EMI: ₹ 95,794
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 91,631
Monthly Savings
₹ 4,164
SIP Investment
@ 12% for 25 years
₹ 7,901,740
Extra Interest Paid
₹ 4,498,472
Final Outcome
₹ 3,403,268
Profit from SIP strategy
Analysis
For ₹8,700,000 loan at 12%, investing savings can generate ₹7,901,740.
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