EMI vs SIP for ₹7,600,000

15 Years @ 11%

Original Plan

15 Years @ 11%

EMI: ₹ 86,381

Extended Plan

20 Years (Reduced EMI)

EMI: ₹ 78,446

Monthly Savings

₹ 7,935

SIP Investment

@ 12% for 20 years

₹ 7,928,288

Extra Interest Paid

₹ 3,278,470

Final Outcome

₹ 4,649,818

Profit from SIP strategy

Analysis

For ₹7,600,000 loan at 11%, investing savings can generate ₹7,928,288.

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