EMI vs SIP for ₹10,000,000
28 Years @ 12%
Original Plan
28 Years @ 12%
EMI: ₹ 103,661
Extended Plan
33 Years (Reduced EMI)
EMI: ₹ 101,983
Monthly Savings
₹ 1,679
SIP Investment
@ 12% for 33 years
₹ 8,550,644
Extra Interest Paid
₹ 5,554,963
Final Outcome
₹ 2,995,681
Profit from SIP strategy
Analysis
For ₹10,000,000 loan at 12%, investing savings can generate ₹8,550,644.
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