EMI vs SIP for ₹9,800,000
15 Years @ 12%
Original Plan
15 Years @ 12%
EMI: ₹ 117,616
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 107,906
Monthly Savings
₹ 9,710
SIP Investment
@ 12% for 20 years
₹ 9,701,755
Extra Interest Paid
₹ 4,726,581
Final Outcome
₹ 4,975,174
Profit from SIP strategy
Analysis
For ₹9,800,000 loan at 12%, investing savings can generate ₹9,701,755.
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