EMI vs SIP for ₹7,500,000

8 Years @ 7%

Original Plan

8 Years @ 7%

EMI: ₹ 102,253

Extended Plan

13 Years (Reduced EMI)

EMI: ₹ 73,356

Monthly Savings

₹ 28,897

SIP Investment

@ 12% for 13 years

₹ 10,863,402

Extra Interest Paid

₹ 1,627,191

Final Outcome

₹ 9,236,211

Profit from SIP strategy

Analysis

For ₹7,500,000 loan at 7%, investing savings can generate ₹10,863,402.

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