EMI vs SIP for ₹9,300,000

11 Years @ 10%

Original Plan

11 Years @ 10%

EMI: ₹ 116,435

Extended Plan

16 Years (Reduced EMI)

EMI: ₹ 97,269

Monthly Savings

₹ 19,166

SIP Investment

@ 12% for 16 years

₹ 11,142,684

Extra Interest Paid

₹ 3,306,223

Final Outcome

₹ 7,836,460

Profit from SIP strategy

Analysis

For ₹9,300,000 loan at 10%, investing savings can generate ₹11,142,684.

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