EMI vs SIP for ₹8,600,000

9 Years @ 7%

Original Plan

9 Years @ 7%

EMI: ₹ 107,554

Extended Plan

14 Years (Reduced EMI)

EMI: ₹ 80,444

Monthly Savings

₹ 27,110

SIP Investment

@ 12% for 14 years

₹ 11,831,086

Extra Interest Paid

₹ 1,898,837

Final Outcome

₹ 9,932,249

Profit from SIP strategy

Analysis

For ₹8,600,000 loan at 7%, investing savings can generate ₹11,831,086.

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