EMI vs SIP for ₹7,000,000

27 Years @ 8%

Original Plan

27 Years @ 8%

EMI: ₹ 52,800

Extended Plan

32 Years (Reduced EMI)

EMI: ₹ 50,613

Monthly Savings

₹ 2,187

SIP Investment

@ 12% for 32 years

₹ 9,861,584

Extra Interest Paid

₹ 2,328,189

Final Outcome

₹ 7,533,395

Profit from SIP strategy

Analysis

For ₹7,000,000 loan at 8%, investing savings can generate ₹9,861,584.

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