EMI vs SIP for ₹8,500,000

27 Years @ 9%

Original Plan

27 Years @ 9%

EMI: ₹ 69,966

Extended Plan

32 Years (Reduced EMI)

EMI: ₹ 67,585

Monthly Savings

₹ 2,381

SIP Investment

@ 12% for 32 years

₹ 10,735,777

Extra Interest Paid

₹ 3,283,709

Final Outcome

₹ 7,452,069

Profit from SIP strategy

Analysis

For ₹8,500,000 loan at 9%, investing savings can generate ₹10,735,777.

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