EMI vs SIP for ₹7,400,000

17 Years @ 10%

Original Plan

17 Years @ 10%

EMI: ₹ 75,570

Extended Plan

22 Years (Reduced EMI)

EMI: ₹ 69,430

Monthly Savings

₹ 6,139

SIP Investment

@ 12% for 22 years

₹ 7,955,985

Extra Interest Paid

₹ 2,913,381

Final Outcome

₹ 5,042,604

Profit from SIP strategy

Analysis

For ₹7,400,000 loan at 10%, investing savings can generate ₹7,955,985.

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