EMI vs SIP for ₹9,700,000

21 Years @ 9%

Original Plan

21 Years @ 9%

EMI: ₹ 85,804

Extended Plan

26 Years (Reduced EMI)

EMI: ₹ 80,580

Monthly Savings

₹ 5,224

SIP Investment

@ 12% for 26 years

₹ 11,237,820

Extra Interest Paid

₹ 3,518,314

Final Outcome

₹ 7,719,506

Profit from SIP strategy

Analysis

For ₹9,700,000 loan at 9%, investing savings can generate ₹11,237,820.

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