EMI vs SIP for ₹9,700,000
16 Years @ 8%
Original Plan
16 Years @ 8%
EMI: ₹ 89,718
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 79,582
Monthly Savings
₹ 10,136
SIP Investment
@ 12% for 21 years
₹ 11,541,848
Extra Interest Paid
₹ 2,828,737
Final Outcome
₹ 8,713,110
Profit from SIP strategy
Analysis
For ₹9,700,000 loan at 8%, investing savings can generate ₹11,541,848.
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