EMI vs SIP for ₹6,800,000

20 Years @ 10%

Original Plan

20 Years @ 10%

EMI: ₹ 65,621

Extended Plan

25 Years (Reduced EMI)

EMI: ₹ 61,792

Monthly Savings

₹ 3,830

SIP Investment

@ 12% for 25 years

₹ 7,267,603

Extra Interest Paid

₹ 2,788,342

Final Outcome

₹ 4,479,261

Profit from SIP strategy

Analysis

For ₹6,800,000 loan at 10%, investing savings can generate ₹7,267,603.

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