EMI vs SIP for ₹6,700,000

13 Years @ 9%

Original Plan

13 Years @ 9%

EMI: ₹ 73,009

Extended Plan

18 Years (Reduced EMI)

EMI: ₹ 62,742

Monthly Savings

₹ 10,267

SIP Investment

@ 12% for 18 years

₹ 7,858,604

Extra Interest Paid

₹ 2,162,889

Final Outcome

₹ 5,695,715

Profit from SIP strategy

Analysis

For ₹6,700,000 loan at 9%, investing savings can generate ₹7,858,604.

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