EMI vs SIP for ₹7,900,000

13 Years @ 7%

Original Plan

13 Years @ 7%

EMI: ₹ 77,268

Extended Plan

18 Years (Reduced EMI)

EMI: ₹ 64,425

Monthly Savings

₹ 12,843

SIP Investment

@ 12% for 18 years

₹ 9,830,678

Extra Interest Paid

₹ 1,861,943

Final Outcome

₹ 7,968,735

Profit from SIP strategy

Analysis

For ₹7,900,000 loan at 7%, investing savings can generate ₹9,830,678.

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