EMI vs SIP for ₹7,000,000

20 Years @ 10%

Original Plan

20 Years @ 10%

EMI: ₹ 67,552

Extended Plan

25 Years (Reduced EMI)

EMI: ₹ 63,609

Monthly Savings

₹ 3,942

SIP Investment

@ 12% for 25 years

₹ 7,481,356

Extra Interest Paid

₹ 2,870,352

Final Outcome

₹ 4,611,004

Profit from SIP strategy

Analysis

For ₹7,000,000 loan at 10%, investing savings can generate ₹7,481,356.

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