EMI vs SIP for ₹5,400,000

26 Years @ 9%

Original Plan

26 Years @ 9%

EMI: ₹ 44,859

Extended Plan

31 Years (Reduced EMI)

EMI: ₹ 43,180

Monthly Savings

₹ 1,679

SIP Investment

@ 12% for 31 years

₹ 6,700,468

Extra Interest Paid

₹ 2,066,902

Final Outcome

₹ 4,633,566

Profit from SIP strategy

Analysis

For ₹5,400,000 loan at 9%, investing savings can generate ₹6,700,468.

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