EMI vs SIP for ₹8,900,000

18 Years @ 11%

Original Plan

18 Years @ 11%

EMI: ₹ 94,789

Extended Plan

23 Years (Reduced EMI)

EMI: ₹ 88,734

Monthly Savings

₹ 6,056

SIP Investment

@ 12% for 23 years

₹ 8,920,402

Extra Interest Paid

₹ 4,015,990

Final Outcome

₹ 4,904,412

Profit from SIP strategy

Analysis

For ₹8,900,000 loan at 11%, investing savings can generate ₹8,920,402.

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