EMI vs SIP for ₹7,300,000

30 Years @ 8%

Original Plan

30 Years @ 8%

EMI: ₹ 53,565

Extended Plan

35 Years (Reduced EMI)

EMI: ₹ 51,849

Monthly Savings

₹ 1,716

SIP Investment

@ 12% for 35 years

₹ 11,144,386

Extra Interest Paid

₹ 2,493,266

Final Outcome

₹ 8,651,121

Profit from SIP strategy

Analysis

For ₹7,300,000 loan at 8%, investing savings can generate ₹11,144,386.

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