EMI vs SIP for ₹9,700,000

23 Years @ 7%

Original Plan

23 Years @ 7%

EMI: ₹ 70,802

Extended Plan

28 Years (Reduced EMI)

EMI: ₹ 65,922

Monthly Savings

₹ 4,880

SIP Investment

@ 12% for 28 years

₹ 13,462,249

Extra Interest Paid

₹ 2,608,407

Final Outcome

₹ 10,853,842

Profit from SIP strategy

Analysis

For ₹9,700,000 loan at 7%, investing savings can generate ₹13,462,249.

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