EMI vs SIP for ₹9,700,000
25 Years @ 12%
Original Plan
25 Years @ 12%
EMI: ₹ 102,163
Extended Plan
30 Years (Reduced EMI)
EMI: ₹ 99,775
Monthly Savings
₹ 2,387
SIP Investment
@ 12% for 30 years
₹ 8,427,033
Extra Interest Paid
₹ 5,270,329
Final Outcome
₹ 3,156,704
Profit from SIP strategy
Analysis
For ₹9,700,000 loan at 12%, investing savings can generate ₹8,427,033.
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