EMI vs SIP for ₹9,700,000
13 Years @ 8%
Original Plan
13 Years @ 8%
EMI: ₹ 100,208
Extended Plan
18 Years (Reduced EMI)
EMI: ₹ 84,871
Monthly Savings
₹ 15,337
SIP Investment
@ 12% for 18 years
₹ 11,739,382
Extra Interest Paid
₹ 2,699,743
Final Outcome
₹ 9,039,639
Profit from SIP strategy
Analysis
For ₹9,700,000 loan at 8%, investing savings can generate ₹11,739,382.
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