EMI vs SIP for ₹4,300,000

11 Years @ 9%

Original Plan

11 Years @ 9%

EMI: ₹ 51,431

Extended Plan

16 Years (Reduced EMI)

EMI: ₹ 42,334

Monthly Savings

₹ 9,097

SIP Investment

@ 12% for 16 years

₹ 5,288,958

Extra Interest Paid

₹ 1,339,210

Final Outcome

₹ 3,949,747

Profit from SIP strategy

Analysis

For ₹4,300,000 loan at 9%, investing savings can generate ₹5,288,958.

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