EMI vs SIP for ₹10,000,000

10 Years @ 12%

Original Plan

10 Years @ 12%

EMI: ₹ 143,471

Extended Plan

15 Years (Reduced EMI)

EMI: ₹ 120,017

Monthly Savings

₹ 23,454

SIP Investment

@ 12% for 15 years

₹ 11,834,397

Extra Interest Paid

₹ 4,386,511

Final Outcome

₹ 7,447,886

Profit from SIP strategy

Analysis

For ₹10,000,000 loan at 12%, investing savings can generate ₹11,834,397.

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