EMI vs SIP for ₹9,800,000
13 Years @ 12%
Original Plan
13 Years @ 12%
EMI: ₹ 124,329
Extended Plan
18 Years (Reduced EMI)
EMI: ₹ 110,931
Monthly Savings
₹ 13,398
SIP Investment
@ 12% for 18 years
₹ 10,255,471
Extra Interest Paid
₹ 4,565,757
Final Outcome
₹ 5,689,715
Profit from SIP strategy
Analysis
For ₹9,800,000 loan at 12%, investing savings can generate ₹10,255,471.
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