EMI vs SIP for ₹8,700,000
30 Years @ 12%
Original Plan
30 Years @ 12%
EMI: ₹ 89,489
Extended Plan
35 Years (Reduced EMI)
EMI: ₹ 88,353
Monthly Savings
₹ 1,136
SIP Investment
@ 12% for 35 years
₹ 7,381,647
Extra Interest Paid
₹ 4,892,042
Final Outcome
₹ 2,489,604
Profit from SIP strategy
Analysis
For ₹8,700,000 loan at 12%, investing savings can generate ₹7,381,647.
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