EMI vs SIP for ₹9,800,000
11 Years @ 12%
Original Plan
11 Years @ 12%
EMI: ₹ 134,043
Extended Plan
16 Years (Reduced EMI)
EMI: ₹ 115,025
Monthly Savings
₹ 19,018
SIP Investment
@ 12% for 16 years
₹ 11,056,738
Extra Interest Paid
₹ 4,391,108
Final Outcome
₹ 6,665,630
Profit from SIP strategy
Analysis
For ₹9,800,000 loan at 12%, investing savings can generate ₹11,056,738.
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