EMI vs SIP for ₹9,700,000

5 Years @ 8%

Original Plan

5 Years @ 8%

EMI: ₹ 196,681

Extended Plan

10 Years (Reduced EMI)

EMI: ₹ 117,688

Monthly Savings

₹ 78,993

SIP Investment

@ 12% for 10 years

₹ 18,353,221

Extra Interest Paid

₹ 2,321,671

Final Outcome

₹ 16,031,550

Profit from SIP strategy

Analysis

For ₹9,700,000 loan at 8%, investing savings can generate ₹18,353,221.

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