EMI vs SIP for ₹9,700,000

20 Years @ 7%

Original Plan

20 Years @ 7%

EMI: ₹ 75,204

Extended Plan

25 Years (Reduced EMI)

EMI: ₹ 68,558

Monthly Savings

₹ 6,646

SIP Investment

@ 12% for 25 years

₹ 12,612,470

Extra Interest Paid

₹ 2,518,315

Final Outcome

₹ 10,094,154

Profit from SIP strategy

Analysis

For ₹9,700,000 loan at 7%, investing savings can generate ₹12,612,470.

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