EMI vs SIP for ₹9,700,000
20 Years @ 12%
Original Plan
20 Years @ 12%
EMI: ₹ 106,805
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 102,163
Monthly Savings
₹ 4,643
SIP Investment
@ 12% for 25 years
₹ 8,809,986
Extra Interest Paid
₹ 5,015,537
Final Outcome
₹ 3,794,448
Profit from SIP strategy
Analysis
For ₹9,700,000 loan at 12%, investing savings can generate ₹8,809,986.
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