EMI vs SIP for ₹7,000,000

21 Years @ 8%

Original Plan

21 Years @ 8%

EMI: ₹ 57,430

Extended Plan

26 Years (Reduced EMI)

EMI: ₹ 53,382

Monthly Savings

₹ 4,048

SIP Investment

@ 12% for 26 years

₹ 8,707,893

Extra Interest Paid

₹ 2,182,794

Final Outcome

₹ 6,525,099

Profit from SIP strategy

Analysis

For ₹7,000,000 loan at 8%, investing savings can generate ₹8,707,893.

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