EMI vs SIP for ₹6,600,000

16 Years @ 11%

Original Plan

16 Years @ 11%

EMI: ₹ 73,194

Extended Plan

21 Years (Reduced EMI)

EMI: ₹ 67,245

Monthly Savings

₹ 5,949

SIP Investment

@ 12% for 21 years

₹ 6,773,453

Extra Interest Paid

₹ 2,892,609

Final Outcome

₹ 3,880,844

Profit from SIP strategy

Analysis

For ₹6,600,000 loan at 11%, investing savings can generate ₹6,773,453.

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