EMI vs SIP for ₹9,700,000
12 Years @ 12%
Original Plan
12 Years @ 12%
EMI: ₹ 127,402
Extended Plan
17 Years (Reduced EMI)
EMI: ₹ 111,668
Monthly Savings
₹ 15,734
SIP Investment
@ 12% for 17 years
₹ 10,508,900
Extra Interest Paid
₹ 4,434,414
Final Outcome
₹ 6,074,485
Profit from SIP strategy
Analysis
For ₹9,700,000 loan at 12%, investing savings can generate ₹10,508,900.
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