EMI vs SIP for ₹9,700,000
21 Years @ 7%
Original Plan
21 Years @ 7%
EMI: ₹ 73,572
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 67,593
Monthly Savings
₹ 5,979
SIP Investment
@ 12% for 26 years
₹ 12,860,450
Extra Interest Paid
₹ 2,549,009
Final Outcome
₹ 10,311,441
Profit from SIP strategy
Analysis
For ₹9,700,000 loan at 7%, investing savings can generate ₹12,860,450.
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