EMI vs SIP for ₹4,500,000

21 Years @ 9%

Original Plan

21 Years @ 9%

EMI: ₹ 39,806

Extended Plan

26 Years (Reduced EMI)

EMI: ₹ 37,383

Monthly Savings

₹ 2,424

SIP Investment

@ 12% for 26 years

₹ 5,213,422

Extra Interest Paid

₹ 1,632,208

Final Outcome

₹ 3,581,214

Profit from SIP strategy

Analysis

For ₹4,500,000 loan at 9%, investing savings can generate ₹5,213,422.

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