EMI vs SIP for ₹10,000,000
11 Years @ 12%
Original Plan
11 Years @ 12%
EMI: ₹ 136,779
Extended Plan
16 Years (Reduced EMI)
EMI: ₹ 117,373
Monthly Savings
₹ 19,406
SIP Investment
@ 12% for 16 years
₹ 11,282,385
Extra Interest Paid
₹ 4,480,722
Final Outcome
₹ 6,801,663
Profit from SIP strategy
Analysis
For ₹10,000,000 loan at 12%, investing savings can generate ₹11,282,385.
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