EMI vs SIP for ₹8,600,000
15 Years @ 9%
Original Plan
15 Years @ 9%
EMI: ₹ 87,227
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 77,376
Monthly Savings
₹ 9,850
SIP Investment
@ 12% for 20 years
₹ 9,842,101
Extra Interest Paid
₹ 2,869,497
Final Outcome
₹ 6,972,604
Profit from SIP strategy
Analysis
For ₹8,600,000 loan at 9%, investing savings can generate ₹9,842,101.
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