EMI vs SIP for ₹6,600,000

28 Years @ 9%

Original Plan

28 Years @ 9%

EMI: ₹ 53,876

Extended Plan

33 Years (Reduced EMI)

EMI: ₹ 52,208

Monthly Savings

₹ 1,667

SIP Investment

@ 12% for 33 years

₹ 8,494,086

Extra Interest Paid

₹ 2,572,229

Final Outcome

₹ 5,921,857

Profit from SIP strategy

Analysis

For ₹6,600,000 loan at 9%, investing savings can generate ₹8,494,086.

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