EMI vs SIP for ₹7,600,000

26 Years @ 8%

Original Plan

26 Years @ 8%

EMI: ₹ 57,957

Extended Plan

31 Years (Reduced EMI)

EMI: ₹ 55,339

Monthly Savings

₹ 2,618

SIP Investment

@ 12% for 31 years

₹ 10,447,695

Extra Interest Paid

₹ 2,503,475

Final Outcome

₹ 7,944,220

Profit from SIP strategy

Analysis

For ₹7,600,000 loan at 8%, investing savings can generate ₹10,447,695.

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