EMI vs SIP for ₹8,800,000

9 Years @ 7%

Original Plan

9 Years @ 7%

EMI: ₹ 110,055

Extended Plan

14 Years (Reduced EMI)

EMI: ₹ 82,315

Monthly Savings

₹ 27,740

SIP Investment

@ 12% for 14 years

₹ 12,106,228

Extra Interest Paid

₹ 1,942,996

Final Outcome

₹ 10,163,232

Profit from SIP strategy

Analysis

For ₹8,800,000 loan at 7%, investing savings can generate ₹12,106,228.

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