EMI vs SIP for ₹6,900,000

24 Years @ 11%

Original Plan

24 Years @ 11%

EMI: ₹ 68,174

Extended Plan

29 Years (Reduced EMI)

EMI: ₹ 66,007

Monthly Savings

₹ 2,166

SIP Investment

@ 12% for 29 years

₹ 6,761,887

Extra Interest Paid

₹ 3,336,522

Final Outcome

₹ 3,425,365

Profit from SIP strategy

Analysis

For ₹6,900,000 loan at 11%, investing savings can generate ₹6,761,887.

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