EMI vs SIP for ₹9,800,000
16 Years @ 8%
Original Plan
16 Years @ 8%
EMI: ₹ 90,643
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 80,402
Monthly Savings
₹ 10,241
SIP Investment
@ 12% for 21 years
₹ 11,660,836
Extra Interest Paid
₹ 2,857,900
Final Outcome
₹ 8,802,936
Profit from SIP strategy
Analysis
For ₹9,800,000 loan at 8%, investing savings can generate ₹11,660,836.
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