EMI vs SIP for ₹10,000,000

7 Years @ 10%

Original Plan

7 Years @ 10%

EMI: ₹ 166,012

Extended Plan

12 Years (Reduced EMI)

EMI: ₹ 119,508

Monthly Savings

₹ 46,504

SIP Investment

@ 12% for 12 years

₹ 14,986,020

Extra Interest Paid

₹ 3,264,132

Final Outcome

₹ 11,721,887

Profit from SIP strategy

Analysis

For ₹10,000,000 loan at 10%, investing savings can generate ₹14,986,020.

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₹23L Loan for 21 years at 8% vs SIP ₹12L Loan for 20 years at 10% vs SIP ₹10L Loan for 9 years at 9% vs SIP ₹57L Loan for 11 years at 8% vs SIP ₹32L Loan for 17 years at 11% vs SIP ₹81L Loan for 23 years at 9% vs SIP
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