EMI vs SIP for ₹9,500,000
21 Years @ 12%
Original Plan
21 Years @ 12%
EMI: ₹ 103,426
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 99,460
Monthly Savings
₹ 3,966
SIP Investment
@ 12% for 26 years
₹ 8,531,273
Extra Interest Paid
₹ 4,968,201
Final Outcome
₹ 3,563,072
Profit from SIP strategy
Analysis
For ₹9,500,000 loan at 12%, investing savings can generate ₹8,531,273.
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