EMI vs SIP for ₹9,500,000

5 Years @ 9%

Original Plan

5 Years @ 9%

EMI: ₹ 197,204

Extended Plan

10 Years (Reduced EMI)

EMI: ₹ 120,342

Monthly Savings

₹ 76,862

SIP Investment

@ 12% for 10 years

₹ 17,858,137

Extra Interest Paid

₹ 2,608,776

Final Outcome

₹ 15,249,361

Profit from SIP strategy

Analysis

For ₹9,500,000 loan at 9%, investing savings can generate ₹17,858,137.

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