EMI vs SIP for ₹9,700,000
20 Years @ 8%
Original Plan
20 Years @ 8%
EMI: ₹ 81,135
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 74,866
Monthly Savings
₹ 6,269
SIP Investment
@ 12% for 25 years
₹ 11,895,351
Extra Interest Paid
₹ 2,987,527
Final Outcome
₹ 8,907,824
Profit from SIP strategy
Analysis
For ₹9,700,000 loan at 8%, investing savings can generate ₹11,895,351.
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