EMI vs SIP for ₹9,600,000

15 Years @ 9%

Original Plan

15 Years @ 9%

EMI: ₹ 97,370

Extended Plan

20 Years (Reduced EMI)

EMI: ₹ 86,374

Monthly Savings

₹ 10,996

SIP Investment

@ 12% for 20 years

₹ 10,986,531

Extra Interest Paid

₹ 3,203,159

Final Outcome

₹ 7,783,371

Profit from SIP strategy

Analysis

For ₹9,600,000 loan at 9%, investing savings can generate ₹10,986,531.

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