EMI vs SIP for ₹9,100,000

11 Years @ 10%

Original Plan

11 Years @ 10%

EMI: ₹ 113,931

Extended Plan

16 Years (Reduced EMI)

EMI: ₹ 95,177

Monthly Savings

₹ 18,754

SIP Investment

@ 12% for 16 years

₹ 10,903,056

Extra Interest Paid

₹ 3,235,122

Final Outcome

₹ 7,667,934

Profit from SIP strategy

Analysis

For ₹9,100,000 loan at 10%, investing savings can generate ₹10,903,056.

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