EMI vs SIP for ₹10,000,000
30 Years @ 12%
Original Plan
30 Years @ 12%
EMI: ₹ 102,861
Extended Plan
35 Years (Reduced EMI)
EMI: ₹ 101,555
Monthly Savings
₹ 1,306
SIP Investment
@ 12% for 35 years
₹ 8,484,652
Extra Interest Paid
₹ 5,623,037
Final Outcome
₹ 2,861,614
Profit from SIP strategy
Analysis
For ₹10,000,000 loan at 12%, investing savings can generate ₹8,484,652.
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