EMI vs SIP for ₹7,000,000

5 Years @ 11%

Original Plan

5 Years @ 11%

EMI: ₹ 152,197

Extended Plan

10 Years (Reduced EMI)

EMI: ₹ 96,425

Monthly Savings

₹ 55,772

SIP Investment

@ 12% for 10 years

₹ 12,958,004

Extra Interest Paid

₹ 2,439,183

Final Outcome

₹ 10,518,821

Profit from SIP strategy

Analysis

For ₹7,000,000 loan at 11%, investing savings can generate ₹12,958,004.

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