EMI vs SIP for ₹10,000,000
23 Years @ 12%
Original Plan
23 Years @ 12%
EMI: ₹ 106,856
Extended Plan
28 Years (Reduced EMI)
EMI: ₹ 103,661
Monthly Savings
₹ 3,195
SIP Investment
@ 12% for 28 years
₹ 8,814,203
Extra Interest Paid
₹ 5,337,805
Final Outcome
₹ 3,476,398
Profit from SIP strategy
Analysis
For ₹10,000,000 loan at 12%, investing savings can generate ₹8,814,203.
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