EMI vs SIP for ₹5,100,000

8 Years @ 9%

Original Plan

8 Years @ 9%

EMI: ₹ 74,716

Extended Plan

13 Years (Reduced EMI)

EMI: ₹ 55,574

Monthly Savings

₹ 19,142

SIP Investment

@ 12% for 13 years

₹ 7,196,198

Extra Interest Paid

₹ 1,496,759

Final Outcome

₹ 5,699,440

Profit from SIP strategy

Analysis

For ₹5,100,000 loan at 9%, investing savings can generate ₹7,196,198.

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