EMI vs SIP for ₹9,000,000

16 Years @ 10%

Original Plan

16 Years @ 10%

EMI: ₹ 94,131

Extended Plan

21 Years (Reduced EMI)

EMI: ₹ 85,570

Monthly Savings

₹ 8,561

SIP Investment

@ 12% for 21 years

₹ 9,748,159

Extra Interest Paid

₹ 3,490,505

Final Outcome

₹ 6,257,654

Profit from SIP strategy

Analysis

For ₹9,000,000 loan at 10%, investing savings can generate ₹9,748,159.

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