EMI vs SIP for ₹7,000,000

7 Years @ 12%

Original Plan

7 Years @ 12%

EMI: ₹ 123,569

Extended Plan

12 Years (Reduced EMI)

EMI: ₹ 91,939

Monthly Savings

₹ 31,630

SIP Investment

@ 12% for 12 years

₹ 10,192,769

Extra Interest Paid

₹ 2,859,458

Final Outcome

₹ 7,333,310

Profit from SIP strategy

Analysis

For ₹7,000,000 loan at 12%, investing savings can generate ₹10,192,769.

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