EMI vs SIP for ₹9,400,000

25 Years @ 9%

Original Plan

25 Years @ 9%

EMI: ₹ 78,884

Extended Plan

30 Years (Reduced EMI)

EMI: ₹ 75,635

Monthly Savings

₹ 3,250

SIP Investment

@ 12% for 30 years

₹ 11,471,980

Extra Interest Paid

₹ 3,563,092

Final Outcome

₹ 7,908,888

Profit from SIP strategy

Analysis

For ₹9,400,000 loan at 9%, investing savings can generate ₹11,471,980.

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