EMI vs SIP for ₹9,500,000

7 Years @ 9%

Original Plan

7 Years @ 9%

EMI: ₹ 152,846

Extended Plan

12 Years (Reduced EMI)

EMI: ₹ 108,113

Monthly Savings

₹ 44,733

SIP Investment

@ 12% for 12 years

₹ 14,415,412

Extra Interest Paid

₹ 2,729,175

Final Outcome

₹ 11,686,237

Profit from SIP strategy

Analysis

For ₹9,500,000 loan at 9%, investing savings can generate ₹14,415,412.

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