EMI vs SIP for ₹9,900,000

7 Years @ 10%

Original Plan

7 Years @ 10%

EMI: ₹ 164,352

Extended Plan

12 Years (Reduced EMI)

EMI: ₹ 118,313

Monthly Savings

₹ 46,039

SIP Investment

@ 12% for 12 years

₹ 14,836,159

Extra Interest Paid

₹ 3,231,491

Final Outcome

₹ 11,604,668

Profit from SIP strategy

Analysis

For ₹9,900,000 loan at 10%, investing savings can generate ₹14,836,159.

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