EMI vs SIP for ₹10,000,000
22 Years @ 8%
Original Plan
22 Years @ 8%
EMI: ₹ 80,618
Extended Plan
27 Years (Reduced EMI)
EMI: ₹ 75,428
Monthly Savings
₹ 5,190
SIP Investment
@ 12% for 27 years
₹ 12,646,184
Extra Interest Paid
₹ 3,155,571
Final Outcome
₹ 9,490,613
Profit from SIP strategy
Analysis
For ₹10,000,000 loan at 8%, investing savings can generate ₹12,646,184.
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