EMI vs SIP for ₹7,300,000

6 Years @ 10%

Original Plan

6 Years @ 10%

EMI: ₹ 135,239

Extended Plan

11 Years (Reduced EMI)

EMI: ₹ 91,395

Monthly Savings

₹ 43,844

SIP Investment

@ 12% for 11 years

₹ 12,040,077

Extra Interest Paid

₹ 2,326,974

Final Outcome

₹ 9,713,104

Profit from SIP strategy

Analysis

For ₹7,300,000 loan at 10%, investing savings can generate ₹12,040,077.

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