EMI vs SIP for ₹7,800,000

19 Years @ 7%

Original Plan

19 Years @ 7%

EMI: ₹ 61,947

Extended Plan

24 Years (Reduced EMI)

EMI: ₹ 55,985

Monthly Savings

₹ 5,962

SIP Investment

@ 12% for 24 years

₹ 9,972,156

Extra Interest Paid

₹ 1,999,834

Final Outcome

₹ 7,972,322

Profit from SIP strategy

Analysis

For ₹7,800,000 loan at 7%, investing savings can generate ₹9,972,156.

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