EMI vs SIP for ₹7,700,000

10 Years @ 8%

Original Plan

10 Years @ 8%

EMI: ₹ 93,422

Extended Plan

15 Years (Reduced EMI)

EMI: ₹ 73,585

Monthly Savings

₹ 19,837

SIP Investment

@ 12% for 15 years

₹ 10,009,293

Extra Interest Paid

₹ 2,034,668

Final Outcome

₹ 7,974,625

Profit from SIP strategy

Analysis

For ₹7,700,000 loan at 8%, investing savings can generate ₹10,009,293.

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