EMI vs SIP for ₹5,900,000

6 Years @ 9%

Original Plan

6 Years @ 9%

EMI: ₹ 106,351

Extended Plan

11 Years (Reduced EMI)

EMI: ₹ 70,569

Monthly Savings

₹ 35,782

SIP Investment

@ 12% for 11 years

₹ 9,826,247

Extra Interest Paid

₹ 1,657,826

Final Outcome

₹ 8,168,421

Profit from SIP strategy

Analysis

For ₹5,900,000 loan at 9%, investing savings can generate ₹9,826,247.

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