EMI vs SIP for ₹10,000,000

26 Years @ 8%

Original Plan

26 Years @ 8%

EMI: ₹ 76,260

Extended Plan

31 Years (Reduced EMI)

EMI: ₹ 72,815

Monthly Savings

₹ 3,445

SIP Investment

@ 12% for 31 years

₹ 13,746,967

Extra Interest Paid

₹ 3,294,047

Final Outcome

₹ 10,452,920

Profit from SIP strategy

Analysis

For ₹10,000,000 loan at 8%, investing savings can generate ₹13,746,967.

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