EMI vs SIP for ₹9,700,000
7 Years @ 12%
Original Plan
7 Years @ 12%
EMI: ₹ 171,232
Extended Plan
12 Years (Reduced EMI)
EMI: ₹ 127,402
Monthly Savings
₹ 43,830
SIP Investment
@ 12% for 12 years
₹ 14,124,265
Extra Interest Paid
₹ 3,962,392
Final Outcome
₹ 10,161,873
Profit from SIP strategy
Analysis
For ₹9,700,000 loan at 12%, investing savings can generate ₹14,124,265.
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