EMI vs SIP for ₹7,700,000

29 Years @ 12%

Original Plan

29 Years @ 12%

EMI: ₹ 79,492

Extended Plan

34 Years (Reduced EMI)

EMI: ₹ 78,352

Monthly Savings

₹ 1,140

SIP Investment

@ 12% for 34 years

₹ 6,556,976

Extra Interest Paid

₹ 4,304,468

Final Outcome

₹ 2,252,507

Profit from SIP strategy

Analysis

For ₹7,700,000 loan at 12%, investing savings can generate ₹6,556,976.

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