EMI vs SIP for ₹7,100,000

14 Years @ 8%

Original Plan

14 Years @ 8%

EMI: ₹ 70,384

Extended Plan

19 Years (Reduced EMI)

EMI: ₹ 60,670

Monthly Savings

₹ 9,714

SIP Investment

@ 12% for 19 years

₹ 8,502,906

Extra Interest Paid

₹ 2,008,225

Final Outcome

₹ 6,494,681

Profit from SIP strategy

Analysis

For ₹7,100,000 loan at 8%, investing savings can generate ₹8,502,906.

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