EMI vs SIP for ₹9,600,000

29 Years @ 11%

Original Plan

29 Years @ 11%

EMI: ₹ 91,836

Extended Plan

34 Years (Reduced EMI)

EMI: ₹ 90,179

Monthly Savings

₹ 1,657

SIP Investment

@ 12% for 34 years

₹ 9,535,336

Extra Interest Paid

₹ 4,833,927

Final Outcome

₹ 4,701,410

Profit from SIP strategy

Analysis

For ₹9,600,000 loan at 11%, investing savings can generate ₹9,535,336.

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