EMI vs SIP for ₹7,200,000

24 Years @ 7%

Original Plan

24 Years @ 7%

EMI: ₹ 51,679

Extended Plan

29 Years (Reduced EMI)

EMI: ₹ 48,393

Monthly Savings

₹ 3,285

SIP Investment

@ 12% for 29 years

₹ 10,254,328

Extra Interest Paid

₹ 1,957,428

Final Outcome

₹ 8,296,899

Profit from SIP strategy

Analysis

For ₹7,200,000 loan at 7%, investing savings can generate ₹10,254,328.

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