EMI vs SIP for ₹9,700,000
10 Years @ 12%
Original Plan
10 Years @ 12%
EMI: ₹ 139,167
Extended Plan
15 Years (Reduced EMI)
EMI: ₹ 116,416
Monthly Savings
₹ 22,751
SIP Investment
@ 12% for 15 years
₹ 11,479,365
Extra Interest Paid
₹ 4,254,916
Final Outcome
₹ 7,224,449
Profit from SIP strategy
Analysis
For ₹9,700,000 loan at 12%, investing savings can generate ₹11,479,365.
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