EMI vs SIP for ₹9,700,000

8 Years @ 8%

Original Plan

8 Years @ 8%

EMI: ₹ 137,126

Extended Plan

13 Years (Reduced EMI)

EMI: ₹ 100,208

Monthly Savings

₹ 36,918

SIP Investment

@ 12% for 13 years

₹ 13,878,484

Extra Interest Paid

₹ 2,468,398

Final Outcome

₹ 11,410,086

Profit from SIP strategy

Analysis

For ₹9,700,000 loan at 8%, investing savings can generate ₹13,878,484.

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