EMI vs SIP for ₹900,000

15 Years @ 11%

Original Plan

15 Years @ 11%

EMI: ₹ 10,229

Extended Plan

20 Years (Reduced EMI)

EMI: ₹ 9,290

Monthly Savings

₹ 940

SIP Investment

@ 12% for 20 years

₹ 938,876

Extra Interest Paid

₹ 388,240

Final Outcome

₹ 550,636

Profit from SIP strategy

Analysis

For ₹900,000 loan at 11%, investing savings can generate ₹938,876.

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