EMI vs SIP for ₹4,300,000

8 Years @ 9%

Original Plan

8 Years @ 9%

EMI: ₹ 62,996

Extended Plan

13 Years (Reduced EMI)

EMI: ₹ 46,856

Monthly Savings

₹ 16,140

SIP Investment

@ 12% for 13 years

₹ 6,067,383

Extra Interest Paid

₹ 1,261,973

Final Outcome

₹ 4,805,410

Profit from SIP strategy

Analysis

For ₹4,300,000 loan at 9%, investing savings can generate ₹6,067,383.

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