EMI vs SIP for ₹7,000,000
20 Years @ 12%
Original Plan
20 Years @ 12%
EMI: ₹ 77,076
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 73,726
Monthly Savings
₹ 3,350
SIP Investment
@ 12% for 25 years
₹ 6,357,722
Extra Interest Paid
₹ 3,619,460
Final Outcome
₹ 2,738,262
Profit from SIP strategy
Analysis
For ₹7,000,000 loan at 12%, investing savings can generate ₹6,357,722.
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