EMI vs SIP for ₹7,500,000

21 Years @ 12%

Original Plan

21 Years @ 12%

EMI: ₹ 81,652

Extended Plan

26 Years (Reduced EMI)

EMI: ₹ 78,521

Monthly Savings

₹ 3,131

SIP Investment

@ 12% for 26 years

₹ 6,735,216

Extra Interest Paid

₹ 3,922,264

Final Outcome

₹ 2,812,952

Profit from SIP strategy

Analysis

For ₹7,500,000 loan at 12%, investing savings can generate ₹6,735,216.

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