EMI vs SIP for ₹6,500,000

18 Years @ 10%

Original Plan

18 Years @ 10%

EMI: ₹ 64,990

Extended Plan

23 Years (Reduced EMI)

EMI: ₹ 60,267

Monthly Savings

₹ 4,723

SIP Investment

@ 12% for 23 years

₹ 6,957,297

Extra Interest Paid

₹ 2,595,833

Final Outcome

₹ 4,361,464

Profit from SIP strategy

Analysis

For ₹6,500,000 loan at 10%, investing savings can generate ₹6,957,297.

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