EMI vs SIP for ₹900,000
15 Years @ 9%
Original Plan
15 Years @ 9%
EMI: ₹ 9,128
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 8,098
Monthly Savings
₹ 1,031
SIP Investment
@ 12% for 20 years
₹ 1,029,987
Extra Interest Paid
₹ 300,296
Final Outcome
₹ 729,691
Profit from SIP strategy
Analysis
For ₹900,000 loan at 9%, investing savings can generate ₹1,029,987.
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