EMI vs SIP for ₹6,700,000

13 Years @ 7%

Original Plan

13 Years @ 7%

EMI: ₹ 65,531

Extended Plan

18 Years (Reduced EMI)

EMI: ₹ 54,639

Monthly Savings

₹ 10,892

SIP Investment

@ 12% for 18 years

₹ 8,337,411

Extra Interest Paid

₹ 1,579,116

Final Outcome

₹ 6,758,294

Profit from SIP strategy

Analysis

For ₹6,700,000 loan at 7%, investing savings can generate ₹8,337,411.

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