EMI vs SIP for ₹7,300,000

10 Years @ 10%

Original Plan

10 Years @ 10%

EMI: ₹ 96,470

Extended Plan

15 Years (Reduced EMI)

EMI: ₹ 78,446

Monthly Savings

₹ 18,024

SIP Investment

@ 12% for 15 years

₹ 9,094,409

Extra Interest Paid

₹ 2,543,907

Final Outcome

₹ 6,550,503

Profit from SIP strategy

Analysis

For ₹7,300,000 loan at 10%, investing savings can generate ₹9,094,409.

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