EMI vs SIP for ₹4,500,000

5 Years @ 9%

Original Plan

5 Years @ 9%

EMI: ₹ 93,413

Extended Plan

10 Years (Reduced EMI)

EMI: ₹ 57,004

Monthly Savings

₹ 36,409

SIP Investment

@ 12% for 10 years

₹ 8,459,117

Extra Interest Paid

₹ 1,235,736

Final Outcome

₹ 7,223,381

Profit from SIP strategy

Analysis

For ₹4,500,000 loan at 9%, investing savings can generate ₹8,459,117.

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