EMI vs SIP for ₹9,700,000

25 Years @ 9%

Original Plan

25 Years @ 9%

EMI: ₹ 81,402

Extended Plan

30 Years (Reduced EMI)

EMI: ₹ 78,048

Monthly Savings

₹ 3,354

SIP Investment

@ 12% for 30 years

₹ 11,838,107

Extra Interest Paid

₹ 3,676,808

Final Outcome

₹ 8,161,300

Profit from SIP strategy

Analysis

For ₹9,700,000 loan at 9%, investing savings can generate ₹11,838,107.

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