EMI vs SIP for ₹7,200,000

11 Years @ 7%

Original Plan

11 Years @ 7%

EMI: ₹ 78,366

Extended Plan

16 Years (Reduced EMI)

EMI: ₹ 62,439

Monthly Savings

₹ 15,927

SIP Investment

@ 12% for 16 years

₹ 9,259,348

Extra Interest Paid

₹ 1,644,034

Final Outcome

₹ 7,615,314

Profit from SIP strategy

Analysis

For ₹7,200,000 loan at 7%, investing savings can generate ₹9,259,348.

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