EMI vs SIP for ₹10,000,000
18 Years @ 8%
Original Plan
18 Years @ 8%
EMI: ₹ 87,496
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 79,345
Monthly Savings
₹ 8,151
SIP Investment
@ 12% for 23 years
₹ 12,006,896
Extra Interest Paid
₹ 3,000,099
Final Outcome
₹ 9,006,797
Profit from SIP strategy
Analysis
For ₹10,000,000 loan at 8%, investing savings can generate ₹12,006,896.
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