EMI vs SIP for ₹10,000,000
22 Years @ 12%
Original Plan
22 Years @ 12%
EMI: ₹ 107,794
Extended Plan
27 Years (Reduced EMI)
EMI: ₹ 104,145
Monthly Savings
₹ 3,649
SIP Investment
@ 12% for 27 years
₹ 8,891,522
Extra Interest Paid
₹ 5,285,371
Final Outcome
₹ 3,606,151
Profit from SIP strategy
Analysis
For ₹10,000,000 loan at 12%, investing savings can generate ₹8,891,522.
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