EMI vs SIP for ₹8,700,000
22 Years @ 12%
Original Plan
22 Years @ 12%
EMI: ₹ 93,781
Extended Plan
27 Years (Reduced EMI)
EMI: ₹ 90,606
Monthly Savings
₹ 3,175
SIP Investment
@ 12% for 27 years
₹ 7,735,624
Extra Interest Paid
₹ 4,598,273
Final Outcome
₹ 3,137,351
Profit from SIP strategy
Analysis
For ₹8,700,000 loan at 12%, investing savings can generate ₹7,735,624.
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