EMI vs SIP for ₹7,000,000

14 Years @ 10%

Original Plan

14 Years @ 10%

EMI: ₹ 77,574

Extended Plan

19 Years (Reduced EMI)

EMI: ₹ 68,688

Monthly Savings

₹ 8,886

SIP Investment

@ 12% for 19 years

₹ 7,778,198

Extra Interest Paid

₹ 2,628,429

Final Outcome

₹ 5,149,769

Profit from SIP strategy

Analysis

For ₹7,000,000 loan at 10%, investing savings can generate ₹7,778,198.

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