EMI vs SIP for ₹9,400,000

27 Years @ 9%

Original Plan

27 Years @ 9%

EMI: ₹ 77,374

Extended Plan

32 Years (Reduced EMI)

EMI: ₹ 74,741

Monthly Savings

₹ 2,633

SIP Investment

@ 12% for 32 years

₹ 11,872,507

Extra Interest Paid

₹ 3,631,395

Final Outcome

₹ 8,241,111

Profit from SIP strategy

Analysis

For ₹9,400,000 loan at 9%, investing savings can generate ₹11,872,507.

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