EMI vs SIP for ₹9,700,000
26 Years @ 8%
Original Plan
26 Years @ 8%
EMI: ₹ 73,972
Extended Plan
31 Years (Reduced EMI)
EMI: ₹ 70,630
Monthly Savings
₹ 3,342
SIP Investment
@ 12% for 31 years
₹ 13,334,558
Extra Interest Paid
₹ 3,195,225
Final Outcome
₹ 10,139,333
Profit from SIP strategy
Analysis
For ₹9,700,000 loan at 8%, investing savings can generate ₹13,334,558.
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