EMI vs SIP for ₹7,000,000

26 Years @ 11%

Original Plan

26 Years @ 11%

EMI: ₹ 68,119

Extended Plan

31 Years (Reduced EMI)

EMI: ₹ 66,395

Monthly Savings

₹ 1,724

SIP Investment

@ 12% for 31 years

₹ 6,880,003

Extra Interest Paid

₹ 3,445,756

Final Outcome

₹ 3,434,247

Profit from SIP strategy

Analysis

For ₹7,000,000 loan at 11%, investing savings can generate ₹6,880,003.

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