EMI vs SIP for ₹9,700,000
21 Years @ 8%
Original Plan
21 Years @ 8%
EMI: ₹ 79,582
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 73,972
Monthly Savings
₹ 5,609
SIP Investment
@ 12% for 26 years
₹ 12,066,652
Extra Interest Paid
₹ 3,024,728
Final Outcome
₹ 9,041,923
Profit from SIP strategy
Analysis
For ₹9,700,000 loan at 8%, investing savings can generate ₹12,066,652.
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