EMI vs SIP for ₹10,000,000
11 Years @ 8%
Original Plan
11 Years @ 8%
EMI: ₹ 114,154
Extended Plan
16 Years (Reduced EMI)
EMI: ₹ 92,493
Monthly Savings
₹ 21,662
SIP Investment
@ 12% for 16 years
₹ 12,593,795
Extra Interest Paid
₹ 2,690,171
Final Outcome
₹ 9,903,624
Profit from SIP strategy
Analysis
For ₹10,000,000 loan at 8%, investing savings can generate ₹12,593,795.
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