EMI vs SIP for ₹10,000,000
20 Years @ 8%
Original Plan
20 Years @ 8%
EMI: ₹ 83,644
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 77,182
Monthly Savings
₹ 6,462
SIP Investment
@ 12% for 25 years
₹ 12,263,248
Extra Interest Paid
₹ 3,079,925
Final Outcome
₹ 9,183,324
Profit from SIP strategy
Analysis
For ₹10,000,000 loan at 8%, investing savings can generate ₹12,263,248.
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