EMI vs SIP for ₹10,000,000

13 Years @ 7%

Original Plan

13 Years @ 7%

EMI: ₹ 97,807

Extended Plan

18 Years (Reduced EMI)

EMI: ₹ 81,550

Monthly Savings

₹ 16,257

SIP Investment

@ 12% for 18 years

₹ 12,443,896

Extra Interest Paid

₹ 2,356,890

Final Outcome

₹ 10,087,006

Profit from SIP strategy

Analysis

For ₹10,000,000 loan at 7%, investing savings can generate ₹12,443,896.

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