EMI vs SIP for ₹7,800,000

9 Years @ 11%

Original Plan

9 Years @ 11%

EMI: ₹ 114,082

Extended Plan

14 Years (Reduced EMI)

EMI: ₹ 91,186

Monthly Savings

₹ 22,895

SIP Investment

@ 12% for 14 years

₹ 9,992,001

Extra Interest Paid

₹ 2,998,461

Final Outcome

₹ 6,993,540

Profit from SIP strategy

Analysis

For ₹7,800,000 loan at 11%, investing savings can generate ₹9,992,001.

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