EMI vs SIP for ₹10,000,000
15 Years @ 8%
Original Plan
15 Years @ 8%
EMI: ₹ 95,565
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 83,644
Monthly Savings
₹ 11,921
SIP Investment
@ 12% for 20 years
₹ 11,911,044
Extra Interest Paid
₹ 2,872,824
Final Outcome
₹ 9,038,220
Profit from SIP strategy
Analysis
For ₹10,000,000 loan at 8%, investing savings can generate ₹11,911,044.
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