EMI vs SIP for ₹7,400,000
20 Years @ 12%
Original Plan
20 Years @ 12%
EMI: ₹ 81,480
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 77,939
Monthly Savings
₹ 3,542
SIP Investment
@ 12% for 25 years
₹ 6,721,020
Extra Interest Paid
₹ 3,826,286
Final Outcome
₹ 2,894,734
Profit from SIP strategy
Analysis
For ₹7,400,000 loan at 12%, investing savings can generate ₹6,721,020.
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