EMI vs SIP for ₹7,600,000

18 Years @ 7%

Original Plan

18 Years @ 7%

EMI: ₹ 61,978

Extended Plan

23 Years (Reduced EMI)

EMI: ₹ 55,474

Monthly Savings

₹ 6,504

SIP Investment

@ 12% for 23 years

₹ 9,581,213

Extra Interest Paid

₹ 1,923,502

Final Outcome

₹ 7,657,711

Profit from SIP strategy

Analysis

For ₹7,600,000 loan at 7%, investing savings can generate ₹9,581,213.

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