EMI vs SIP for ₹9,700,000
30 Years @ 12%
Original Plan
30 Years @ 12%
EMI: ₹ 99,775
Extended Plan
35 Years (Reduced EMI)
EMI: ₹ 98,508
Monthly Savings
₹ 1,267
SIP Investment
@ 12% for 35 years
₹ 8,230,112
Extra Interest Paid
₹ 5,454,346
Final Outcome
₹ 2,775,766
Profit from SIP strategy
Analysis
For ₹9,700,000 loan at 12%, investing savings can generate ₹8,230,112.
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