EMI vs SIP for ₹8,100,000

26 Years @ 9%

Original Plan

26 Years @ 9%

EMI: ₹ 67,289

Extended Plan

31 Years (Reduced EMI)

EMI: ₹ 64,770

Monthly Savings

₹ 2,519

SIP Investment

@ 12% for 31 years

₹ 10,050,702

Extra Interest Paid

₹ 3,100,353

Final Outcome

₹ 6,950,349

Profit from SIP strategy

Analysis

For ₹8,100,000 loan at 9%, investing savings can generate ₹10,050,702.

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