EMI vs SIP for ₹7,000,000
18 Years @ 12%
Original Plan
18 Years @ 12%
EMI: ₹ 79,237
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 74,800
Monthly Savings
₹ 4,437
SIP Investment
@ 12% for 23 years
₹ 6,535,933
Extra Interest Paid
₹ 3,529,584
Final Outcome
₹ 3,006,349
Profit from SIP strategy
Analysis
For ₹7,000,000 loan at 12%, investing savings can generate ₹6,535,933.
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