EMI vs SIP for ₹6,500,000

21 Years @ 9%

Original Plan

21 Years @ 9%

EMI: ₹ 57,498

Extended Plan

26 Years (Reduced EMI)

EMI: ₹ 53,997

Monthly Savings

₹ 3,501

SIP Investment

@ 12% for 26 years

₹ 7,530,498

Extra Interest Paid

₹ 2,357,633

Final Outcome

₹ 5,172,865

Profit from SIP strategy

Analysis

For ₹6,500,000 loan at 9%, investing savings can generate ₹7,530,498.

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