EMI vs SIP for ₹9,800,000
15 Years @ 8%
Original Plan
15 Years @ 8%
EMI: ₹ 93,654
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 81,971
Monthly Savings
₹ 11,683
SIP Investment
@ 12% for 20 years
₹ 11,672,823
Extra Interest Paid
₹ 2,815,368
Final Outcome
₹ 8,857,455
Profit from SIP strategy
Analysis
For ₹9,800,000 loan at 8%, investing savings can generate ₹11,672,823.
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