EMI vs SIP for ₹6,300,000

27 Years @ 7%

Original Plan

27 Years @ 7%

EMI: ₹ 43,332

Extended Plan

32 Years (Reduced EMI)

EMI: ₹ 41,160

Monthly Savings

₹ 2,172

SIP Investment

@ 12% for 32 years

₹ 9,793,496

Extra Interest Paid

₹ 1,765,952

Final Outcome

₹ 8,027,545

Profit from SIP strategy

Analysis

For ₹6,300,000 loan at 7%, investing savings can generate ₹9,793,496.

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