EMI vs SIP for ₹7,100,000

11 Years @ 10%

Original Plan

11 Years @ 10%

EMI: ₹ 88,891

Extended Plan

16 Years (Reduced EMI)

EMI: ₹ 74,259

Monthly Savings

₹ 14,632

SIP Investment

@ 12% for 16 years

₹ 8,506,780

Extra Interest Paid

₹ 2,524,106

Final Outcome

₹ 5,982,674

Profit from SIP strategy

Analysis

For ₹7,100,000 loan at 10%, investing savings can generate ₹8,506,780.

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