EMI vs SIP for ₹6,800,000

11 Years @ 7%

Original Plan

11 Years @ 7%

EMI: ₹ 74,012

Extended Plan

16 Years (Reduced EMI)

EMI: ₹ 58,970

Monthly Savings

₹ 15,042

SIP Investment

@ 12% for 16 years

₹ 8,744,940

Extra Interest Paid

₹ 1,552,699

Final Outcome

₹ 7,192,241

Profit from SIP strategy

Analysis

For ₹6,800,000 loan at 7%, investing savings can generate ₹8,744,940.

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