EMI vs SIP for ₹10,000,000
23 Years @ 8%
Original Plan
23 Years @ 8%
EMI: ₹ 79,345
Extended Plan
28 Years (Reduced EMI)
EMI: ₹ 74,676
Monthly Savings
₹ 4,669
SIP Investment
@ 12% for 28 years
₹ 12,880,920
Extra Interest Paid
₹ 3,191,799
Final Outcome
₹ 9,689,121
Profit from SIP strategy
Analysis
For ₹10,000,000 loan at 8%, investing savings can generate ₹12,880,920.
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