EMI vs SIP for ₹10,000,000
27 Years @ 12%
Original Plan
27 Years @ 12%
EMI: ₹ 104,145
Extended Plan
32 Years (Reduced EMI)
EMI: ₹ 102,240
Monthly Savings
₹ 1,905
SIP Investment
@ 12% for 32 years
₹ 8,590,533
Extra Interest Paid
₹ 5,517,146
Final Outcome
₹ 3,073,388
Profit from SIP strategy
Analysis
For ₹10,000,000 loan at 12%, investing savings can generate ₹8,590,533.
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