EMI vs SIP for ₹7,600,000

22 Years @ 12%

Original Plan

22 Years @ 12%

EMI: ₹ 81,923

Extended Plan

27 Years (Reduced EMI)

EMI: ₹ 79,150

Monthly Savings

₹ 2,773

SIP Investment

@ 12% for 27 years

₹ 6,757,557

Extra Interest Paid

₹ 4,016,882

Final Outcome

₹ 2,740,674

Profit from SIP strategy

Analysis

For ₹7,600,000 loan at 12%, investing savings can generate ₹6,757,557.

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