EMI vs SIP for ₹6,800,000

21 Years @ 10%

Original Plan

21 Years @ 10%

EMI: ₹ 64,653

Extended Plan

26 Years (Reduced EMI)

EMI: ₹ 61,266

Monthly Savings

₹ 3,387

SIP Investment

@ 12% for 26 years

₹ 7,284,971

Extra Interest Paid

₹ 2,822,561

Final Outcome

₹ 4,462,410

Profit from SIP strategy

Analysis

For ₹6,800,000 loan at 10%, investing savings can generate ₹7,284,971.

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