EMI vs SIP for ₹5,500,000

8 Years @ 9%

Original Plan

8 Years @ 9%

EMI: ₹ 80,576

Extended Plan

13 Years (Reduced EMI)

EMI: ₹ 59,932

Monthly Savings

₹ 20,644

SIP Investment

@ 12% for 13 years

₹ 7,760,606

Extra Interest Paid

₹ 1,614,151

Final Outcome

₹ 6,146,454

Profit from SIP strategy

Analysis

For ₹5,500,000 loan at 9%, investing savings can generate ₹7,760,606.

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