EMI vs SIP for ₹10,000,000
8 Years @ 12%
Original Plan
8 Years @ 12%
EMI: ₹ 162,528
Extended Plan
13 Years (Reduced EMI)
EMI: ₹ 126,867
Monthly Savings
₹ 35,662
SIP Investment
@ 12% for 13 years
₹ 13,406,378
Extra Interest Paid
₹ 4,188,465
Final Outcome
₹ 9,217,913
Profit from SIP strategy
Analysis
For ₹10,000,000 loan at 12%, investing savings can generate ₹13,406,378.
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