EMI vs SIP for ₹7,900,000

19 Years @ 7%

Original Plan

19 Years @ 7%

EMI: ₹ 62,741

Extended Plan

24 Years (Reduced EMI)

EMI: ₹ 56,703

Monthly Savings

₹ 6,038

SIP Investment

@ 12% for 24 years

₹ 10,100,004

Extra Interest Paid

₹ 2,025,473

Final Outcome

₹ 8,074,532

Profit from SIP strategy

Analysis

For ₹7,900,000 loan at 7%, investing savings can generate ₹10,100,004.

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