EMI vs SIP for ₹9,500,000

9 Years @ 9%

Original Plan

9 Years @ 9%

EMI: ₹ 128,658

Extended Plan

14 Years (Reduced EMI)

EMI: ₹ 99,649

Monthly Savings

₹ 29,009

SIP Investment

@ 12% for 14 years

₹ 12,659,860

Extra Interest Paid

₹ 2,846,018

Final Outcome

₹ 9,813,842

Profit from SIP strategy

Analysis

For ₹9,500,000 loan at 9%, investing savings can generate ₹12,659,860.

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