EMI vs SIP for ₹6,400,000

28 Years @ 9%

Original Plan

28 Years @ 9%

EMI: ₹ 52,243

Extended Plan

33 Years (Reduced EMI)

EMI: ₹ 50,626

Monthly Savings

₹ 1,617

SIP Investment

@ 12% for 33 years

₹ 8,236,689

Extra Interest Paid

₹ 2,494,282

Final Outcome

₹ 5,742,407

Profit from SIP strategy

Analysis

For ₹6,400,000 loan at 9%, investing savings can generate ₹8,236,689.

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