EMI vs SIP for ₹7,800,000

29 Years @ 10%

Original Plan

29 Years @ 10%

EMI: ₹ 68,833

Extended Plan

34 Years (Reduced EMI)

EMI: ₹ 67,277

Monthly Savings

₹ 1,556

SIP Investment

@ 12% for 34 years

₹ 8,952,006

Extra Interest Paid

₹ 3,495,105

Final Outcome

₹ 5,456,901

Profit from SIP strategy

Analysis

For ₹7,800,000 loan at 10%, investing savings can generate ₹8,952,006.

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