EMI vs SIP for ₹7,000,000

26 Years @ 8%

Original Plan

26 Years @ 8%

EMI: ₹ 53,382

Extended Plan

31 Years (Reduced EMI)

EMI: ₹ 50,970

Monthly Savings

₹ 2,412

SIP Investment

@ 12% for 31 years

₹ 9,622,877

Extra Interest Paid

₹ 2,305,833

Final Outcome

₹ 7,317,044

Profit from SIP strategy

Analysis

For ₹7,000,000 loan at 8%, investing savings can generate ₹9,622,877.

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