EMI vs SIP for ₹8,600,000

10 Years @ 7%

Original Plan

10 Years @ 7%

EMI: ₹ 99,853

Extended Plan

15 Years (Reduced EMI)

EMI: ₹ 77,299

Monthly Savings

₹ 22,554

SIP Investment

@ 12% for 15 years

₹ 11,380,238

Extra Interest Paid

₹ 1,931,467

Final Outcome

₹ 9,448,771

Profit from SIP strategy

Analysis

For ₹8,600,000 loan at 7%, investing savings can generate ₹11,380,238.

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