EMI vs SIP for ₹5,900,000

9 Years @ 9%

Original Plan

9 Years @ 9%

EMI: ₹ 79,903

Extended Plan

14 Years (Reduced EMI)

EMI: ₹ 61,887

Monthly Savings

₹ 18,016

SIP Investment

@ 12% for 14 years

₹ 7,862,440

Extra Interest Paid

₹ 1,767,527

Final Outcome

₹ 6,094,912

Profit from SIP strategy

Analysis

For ₹5,900,000 loan at 9%, investing savings can generate ₹7,862,440.

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