EMI vs SIP for ₹9,900,000

27 Years @ 11%

Original Plan

27 Years @ 11%

EMI: ₹ 95,728

Extended Plan

32 Years (Reduced EMI)

EMI: ₹ 93,564

Monthly Savings

₹ 2,164

SIP Investment

@ 12% for 32 years

₹ 9,757,445

Extra Interest Paid

₹ 4,912,765

Final Outcome

₹ 4,844,680

Profit from SIP strategy

Analysis

For ₹9,900,000 loan at 11%, investing savings can generate ₹9,757,445.

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