EMI vs SIP for ₹10,000,000
18 Years @ 12%
Original Plan
18 Years @ 12%
EMI: ₹ 113,195
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 106,856
Monthly Savings
₹ 6,339
SIP Investment
@ 12% for 23 years
₹ 9,337,047
Extra Interest Paid
₹ 5,042,262
Final Outcome
₹ 4,294,785
Profit from SIP strategy
Analysis
For ₹10,000,000 loan at 12%, investing savings can generate ₹9,337,047.
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