EMI vs SIP for ₹9,300,000

30 Years @ 10%

Original Plan

30 Years @ 10%

EMI: ₹ 81,614

Extended Plan

35 Years (Reduced EMI)

EMI: ₹ 79,950

Monthly Savings

₹ 1,665

SIP Investment

@ 12% for 35 years

₹ 10,812,158

Extra Interest Paid

₹ 4,197,709

Final Outcome

₹ 6,614,449

Profit from SIP strategy

Analysis

For ₹9,300,000 loan at 10%, investing savings can generate ₹10,812,158.

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