EMI vs SIP for ₹9,700,000
30 Years @ 8%
Original Plan
30 Years @ 8%
EMI: ₹ 71,175
Extended Plan
35 Years (Reduced EMI)
EMI: ₹ 68,895
Monthly Savings
₹ 2,280
SIP Investment
@ 12% for 35 years
₹ 14,808,294
Extra Interest Paid
₹ 3,312,969
Final Outcome
₹ 11,495,325
Profit from SIP strategy
Analysis
For ₹9,700,000 loan at 8%, investing savings can generate ₹14,808,294.
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