EMI vs SIP for ₹6,600,000

16 Years @ 10%

Original Plan

16 Years @ 10%

EMI: ₹ 69,030

Extended Plan

21 Years (Reduced EMI)

EMI: ₹ 62,751

Monthly Savings

₹ 6,278

SIP Investment

@ 12% for 21 years

₹ 7,148,650

Extra Interest Paid

₹ 2,559,704

Final Outcome

₹ 4,588,946

Profit from SIP strategy

Analysis

For ₹6,600,000 loan at 10%, investing savings can generate ₹7,148,650.

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