EMI vs SIP for ₹10,000,000
26 Years @ 12%
Original Plan
26 Years @ 12%
EMI: ₹ 104,695
Extended Plan
31 Years (Reduced EMI)
EMI: ₹ 102,531
Monthly Savings
₹ 2,164
SIP Investment
@ 12% for 31 years
₹ 8,635,930
Extra Interest Paid
₹ 5,476,642
Final Outcome
₹ 3,159,288
Profit from SIP strategy
Analysis
For ₹10,000,000 loan at 12%, investing savings can generate ₹8,635,930.
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