EMI vs SIP for ₹8,400,000

15 Years @ 9%

Original Plan

15 Years @ 9%

EMI: ₹ 85,198

Extended Plan

20 Years (Reduced EMI)

EMI: ₹ 75,577

Monthly Savings

₹ 9,621

SIP Investment

@ 12% for 20 years

₹ 9,613,215

Extra Interest Paid

₹ 2,802,765

Final Outcome

₹ 6,810,450

Profit from SIP strategy

Analysis

For ₹8,400,000 loan at 9%, investing savings can generate ₹9,613,215.

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