EMI vs SIP for ₹8,100,000

8 Years @ 9%

Original Plan

8 Years @ 9%

EMI: ₹ 118,667

Extended Plan

13 Years (Reduced EMI)

EMI: ₹ 88,264

Monthly Savings

₹ 30,403

SIP Investment

@ 12% for 13 years

₹ 11,429,256

Extra Interest Paid

₹ 2,377,205

Final Outcome

₹ 9,052,051

Profit from SIP strategy

Analysis

For ₹8,100,000 loan at 9%, investing savings can generate ₹11,429,256.

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