EMI vs SIP for ₹9,700,000
13 Years @ 12%
Original Plan
13 Years @ 12%
EMI: ₹ 123,061
Extended Plan
18 Years (Reduced EMI)
EMI: ₹ 109,799
Monthly Savings
₹ 13,261
SIP Investment
@ 12% for 18 years
₹ 10,150,824
Extra Interest Paid
₹ 4,519,167
Final Outcome
₹ 5,631,657
Profit from SIP strategy
Analysis
For ₹9,700,000 loan at 12%, investing savings can generate ₹10,150,824.
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