EMI vs SIP for ₹9,700,000
15 Years @ 8%
Original Plan
15 Years @ 8%
EMI: ₹ 92,698
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 81,135
Monthly Savings
₹ 11,564
SIP Investment
@ 12% for 20 years
₹ 11,553,712
Extra Interest Paid
₹ 2,786,639
Final Outcome
₹ 8,767,073
Profit from SIP strategy
Analysis
For ₹9,700,000 loan at 8%, investing savings can generate ₹11,553,712.
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