EMI vs SIP for ₹7,100,000

19 Years @ 7%

Original Plan

19 Years @ 7%

EMI: ₹ 56,388

Extended Plan

24 Years (Reduced EMI)

EMI: ₹ 50,961

Monthly Savings

₹ 5,427

SIP Investment

@ 12% for 24 years

₹ 9,077,219

Extra Interest Paid

₹ 1,820,362

Final Outcome

₹ 7,256,857

Profit from SIP strategy

Analysis

For ₹7,100,000 loan at 7%, investing savings can generate ₹9,077,219.

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