EMI vs SIP for ₹10,000,000
16 Years @ 12%
Original Plan
16 Years @ 12%
EMI: ₹ 117,373
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 108,870
Monthly Savings
₹ 8,503
SIP Investment
@ 12% for 21 years
₹ 9,681,632
Extra Interest Paid
₹ 4,899,709
Final Outcome
₹ 4,781,923
Profit from SIP strategy
Analysis
For ₹10,000,000 loan at 12%, investing savings can generate ₹9,681,632.
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