EMI vs SIP for ₹9,000,000

21 Years @ 8%

Original Plan

21 Years @ 8%

EMI: ₹ 73,839

Extended Plan

26 Years (Reduced EMI)

EMI: ₹ 68,634

Monthly Savings

₹ 5,205

SIP Investment

@ 12% for 26 years

₹ 11,195,863

Extra Interest Paid

₹ 2,806,449

Final Outcome

₹ 8,389,414

Profit from SIP strategy

Analysis

For ₹9,000,000 loan at 8%, investing savings can generate ₹11,195,863.

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