EMI vs SIP for ₹10,000,000
20 Years @ 12%
Original Plan
20 Years @ 12%
EMI: ₹ 110,109
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 105,322
Monthly Savings
₹ 4,786
SIP Investment
@ 12% for 25 years
₹ 9,082,459
Extra Interest Paid
₹ 5,170,657
Final Outcome
₹ 3,911,802
Profit from SIP strategy
Analysis
For ₹10,000,000 loan at 12%, investing savings can generate ₹9,082,459.
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