EMI vs SIP for ₹5,100,000

22 Years @ 9%

Original Plan

22 Years @ 9%

EMI: ₹ 44,430

Extended Plan

27 Years (Reduced EMI)

EMI: ₹ 41,979

Monthly Savings

₹ 2,450

SIP Investment

@ 12% for 27 years

₹ 5,971,210

Extra Interest Paid

₹ 1,871,833

Final Outcome

₹ 4,099,377

Profit from SIP strategy

Analysis

For ₹5,100,000 loan at 9%, investing savings can generate ₹5,971,210.

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