EMI vs SIP for ₹9,300,000

26 Years @ 12%

Original Plan

26 Years @ 12%

EMI: ₹ 97,367

Extended Plan

31 Years (Reduced EMI)

EMI: ₹ 95,354

Monthly Savings

₹ 2,013

SIP Investment

@ 12% for 31 years

₹ 8,031,415

Extra Interest Paid

₹ 5,093,277

Final Outcome

₹ 2,938,138

Profit from SIP strategy

Analysis

For ₹9,300,000 loan at 12%, investing savings can generate ₹8,031,415.

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