EMI vs SIP for ₹8,700,000
21 Years @ 12%
Original Plan
21 Years @ 12%
EMI: ₹ 94,717
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 91,085
Monthly Savings
₹ 3,632
SIP Investment
@ 12% for 26 years
₹ 7,812,850
Extra Interest Paid
₹ 4,549,826
Final Outcome
₹ 3,263,024
Profit from SIP strategy
Analysis
For ₹8,700,000 loan at 12%, investing savings can generate ₹7,812,850.
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