EMI vs SIP for ₹7,600,000

11 Years @ 8%

Original Plan

11 Years @ 8%

EMI: ₹ 86,757

Extended Plan

16 Years (Reduced EMI)

EMI: ₹ 70,294

Monthly Savings

₹ 16,463

SIP Investment

@ 12% for 16 years

₹ 9,571,284

Extra Interest Paid

₹ 2,044,530

Final Outcome

₹ 7,526,754

Profit from SIP strategy

Analysis

For ₹7,600,000 loan at 8%, investing savings can generate ₹9,571,284.

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