EMI vs SIP for ₹8,600,000

13 Years @ 9%

Original Plan

13 Years @ 9%

EMI: ₹ 93,713

Extended Plan

18 Years (Reduced EMI)

EMI: ₹ 80,534

Monthly Savings

₹ 13,178

SIP Investment

@ 12% for 18 years

₹ 10,087,164

Extra Interest Paid

₹ 2,776,246

Final Outcome

₹ 7,310,918

Profit from SIP strategy

Analysis

For ₹8,600,000 loan at 9%, investing savings can generate ₹10,087,164.

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