EMI vs SIP for ₹7,300,000

15 Years @ 10%

Original Plan

15 Years @ 10%

EMI: ₹ 78,446

Extended Plan

20 Years (Reduced EMI)

EMI: ₹ 70,447

Monthly Savings

₹ 8,000

SIP Investment

@ 12% for 20 years

₹ 7,992,777

Extra Interest Paid

₹ 2,786,868

Final Outcome

₹ 5,205,909

Profit from SIP strategy

Analysis

For ₹7,300,000 loan at 10%, investing savings can generate ₹7,992,777.

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