EMI vs SIP for ₹9,400,000

10 Years @ 12%

Original Plan

10 Years @ 12%

EMI: ₹ 134,863

Extended Plan

15 Years (Reduced EMI)

EMI: ₹ 112,816

Monthly Savings

₹ 22,047

SIP Investment

@ 12% for 15 years

₹ 11,124,333

Extra Interest Paid

₹ 4,123,321

Final Outcome

₹ 7,001,013

Profit from SIP strategy

Analysis

For ₹9,400,000 loan at 12%, investing savings can generate ₹11,124,333.

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