EMI vs SIP for ₹8,900,000
21 Years @ 12%
Original Plan
21 Years @ 12%
EMI: ₹ 96,894
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 93,179
Monthly Savings
₹ 3,715
SIP Investment
@ 12% for 26 years
₹ 7,992,456
Extra Interest Paid
₹ 4,654,420
Final Outcome
₹ 3,338,036
Profit from SIP strategy
Analysis
For ₹8,900,000 loan at 12%, investing savings can generate ₹7,992,456.
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