EMI vs SIP for ₹5,900,000

29 Years @ 9%

Original Plan

29 Years @ 9%

EMI: ₹ 47,799

Extended Plan

34 Years (Reduced EMI)

EMI: ₹ 46,453

Monthly Savings

₹ 1,346

SIP Investment

@ 12% for 34 years

₹ 7,744,537

Extra Interest Paid

₹ 2,318,705

Final Outcome

₹ 5,425,832

Profit from SIP strategy

Analysis

For ₹5,900,000 loan at 9%, investing savings can generate ₹7,744,537.

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