EMI vs SIP for ₹7,800,000

30 Years @ 9%

Original Plan

30 Years @ 9%

EMI: ₹ 62,761

Extended Plan

35 Years (Reduced EMI)

EMI: ₹ 61,151

Monthly Savings

₹ 1,609

SIP Investment

@ 12% for 35 years

₹ 10,451,617

Extra Interest Paid

₹ 3,089,807

Final Outcome

₹ 7,361,810

Profit from SIP strategy

Analysis

For ₹7,800,000 loan at 9%, investing savings can generate ₹10,451,617.

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