EMI vs SIP for ₹9,600,000

24 Years @ 7%

Original Plan

24 Years @ 7%

EMI: ₹ 68,905

Extended Plan

29 Years (Reduced EMI)

EMI: ₹ 64,524

Monthly Savings

₹ 4,380

SIP Investment

@ 12% for 29 years

₹ 13,672,437

Extra Interest Paid

₹ 2,609,904

Final Outcome

₹ 11,062,533

Profit from SIP strategy

Analysis

For ₹9,600,000 loan at 7%, investing savings can generate ₹13,672,437.

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