EMI vs SIP for ₹6,800,000

5 Years @ 9%

Original Plan

5 Years @ 9%

EMI: ₹ 141,157

Extended Plan

10 Years (Reduced EMI)

EMI: ₹ 86,140

Monthly Savings

₹ 55,017

SIP Investment

@ 12% for 10 years

₹ 12,782,666

Extra Interest Paid

₹ 1,867,334

Final Outcome

₹ 10,915,332

Profit from SIP strategy

Analysis

For ₹6,800,000 loan at 9%, investing savings can generate ₹12,782,666.

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