EMI vs SIP for ₹900,000

9 Years @ 7%

Original Plan

9 Years @ 7%

EMI: ₹ 11,256

Extended Plan

14 Years (Reduced EMI)

EMI: ₹ 8,419

Monthly Savings

₹ 2,837

SIP Investment

@ 12% for 14 years

₹ 1,238,137

Extra Interest Paid

₹ 198,716

Final Outcome

₹ 1,039,421

Profit from SIP strategy

Analysis

For ₹900,000 loan at 7%, investing savings can generate ₹1,238,137.

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