EMI vs SIP for ₹10,000,000
21 Years @ 12%
Original Plan
21 Years @ 12%
EMI: ₹ 108,870
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 104,695
Monthly Savings
₹ 4,175
SIP Investment
@ 12% for 26 years
₹ 8,980,288
Extra Interest Paid
₹ 5,229,686
Final Outcome
₹ 3,750,602
Profit from SIP strategy
Analysis
For ₹10,000,000 loan at 12%, investing savings can generate ₹8,980,288.
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