EMI vs SIP for ₹9,100,000

16 Years @ 9%

Original Plan

16 Years @ 9%

EMI: ₹ 89,591

Extended Plan

21 Years (Reduced EMI)

EMI: ₹ 80,497

Monthly Savings

₹ 9,094

SIP Investment

@ 12% for 21 years

₹ 10,355,182

Extra Interest Paid

₹ 3,083,751

Final Outcome

₹ 7,271,431

Profit from SIP strategy

Analysis

For ₹9,100,000 loan at 9%, investing savings can generate ₹10,355,182.

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