EMI vs SIP for ₹8,900,000

10 Years @ 10%

Original Plan

10 Years @ 10%

EMI: ₹ 117,614

Extended Plan

15 Years (Reduced EMI)

EMI: ₹ 95,640

Monthly Savings

₹ 21,974

SIP Investment

@ 12% for 15 years

₹ 11,087,705

Extra Interest Paid

₹ 3,101,475

Final Outcome

₹ 7,986,229

Profit from SIP strategy

Analysis

For ₹8,900,000 loan at 10%, investing savings can generate ₹11,087,705.

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