EMI vs SIP for ₹6,500,000

21 Years @ 7%

Original Plan

21 Years @ 7%

EMI: ₹ 49,301

Extended Plan

26 Years (Reduced EMI)

EMI: ₹ 45,294

Monthly Savings

₹ 4,006

SIP Investment

@ 12% for 26 years

₹ 8,617,827

Extra Interest Paid

₹ 1,708,099

Final Outcome

₹ 6,909,728

Profit from SIP strategy

Analysis

For ₹6,500,000 loan at 7%, investing savings can generate ₹8,617,827.

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