EMI vs SIP for ₹7,200,000

9 Years @ 7%

Original Plan

9 Years @ 7%

EMI: ₹ 90,045

Extended Plan

14 Years (Reduced EMI)

EMI: ₹ 67,349

Monthly Savings

₹ 22,696

SIP Investment

@ 12% for 14 years

₹ 9,905,096

Extra Interest Paid

₹ 1,589,724

Final Outcome

₹ 8,315,371

Profit from SIP strategy

Analysis

For ₹7,200,000 loan at 7%, investing savings can generate ₹9,905,096.

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