EMI vs SIP for ₹10,000,000

5 Years @ 10%

Original Plan

5 Years @ 10%

EMI: ₹ 212,470

Extended Plan

10 Years (Reduced EMI)

EMI: ₹ 132,151

Monthly Savings

₹ 80,320

SIP Investment

@ 12% for 10 years

₹ 18,661,407

Extra Interest Paid

₹ 3,109,862

Final Outcome

₹ 15,551,546

Profit from SIP strategy

Analysis

For ₹10,000,000 loan at 10%, investing savings can generate ₹18,661,407.

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