EMI vs SIP for ₹5,900,000

18 Years @ 9%

Original Plan

18 Years @ 9%

EMI: ₹ 55,250

Extended Plan

23 Years (Reduced EMI)

EMI: ₹ 50,697

Monthly Savings

₹ 4,553

SIP Investment

@ 12% for 23 years

₹ 6,707,455

Extra Interest Paid

₹ 2,058,270

Final Outcome

₹ 4,649,186

Profit from SIP strategy

Analysis

For ₹5,900,000 loan at 9%, investing savings can generate ₹6,707,455.

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