EMI vs SIP for ₹8,900,000

7 Years @ 7%

Original Plan

7 Years @ 7%

EMI: ₹ 134,325

Extended Plan

12 Years (Reduced EMI)

EMI: ₹ 91,526

Monthly Savings

₹ 42,799

SIP Investment

@ 12% for 12 years

₹ 13,792,050

Extra Interest Paid

₹ 1,896,445

Final Outcome

₹ 11,895,605

Profit from SIP strategy

Analysis

For ₹8,900,000 loan at 7%, investing savings can generate ₹13,792,050.

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