EMI vs SIP for ₹9,700,000

10 Years @ 8%

Original Plan

10 Years @ 8%

EMI: ₹ 117,688

Extended Plan

15 Years (Reduced EMI)

EMI: ₹ 92,698

Monthly Savings

₹ 24,990

SIP Investment

@ 12% for 15 years

₹ 12,609,109

Extra Interest Paid

₹ 2,563,153

Final Outcome

₹ 10,045,956

Profit from SIP strategy

Analysis

For ₹9,700,000 loan at 8%, investing savings can generate ₹12,609,109.

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