EMI vs SIP for ₹7,400,000

16 Years @ 10%

Original Plan

16 Years @ 10%

EMI: ₹ 77,397

Extended Plan

21 Years (Reduced EMI)

EMI: ₹ 70,358

Monthly Savings

₹ 7,039

SIP Investment

@ 12% for 21 years

₹ 8,015,153

Extra Interest Paid

₹ 2,869,971

Final Outcome

₹ 5,145,182

Profit from SIP strategy

Analysis

For ₹7,400,000 loan at 10%, investing savings can generate ₹8,015,153.

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