EMI vs SIP for ₹9,800,000
18 Years @ 8%
Original Plan
18 Years @ 8%
EMI: ₹ 85,746
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 77,758
Monthly Savings
₹ 7,988
SIP Investment
@ 12% for 23 years
₹ 11,766,758
Extra Interest Paid
₹ 2,940,097
Final Outcome
₹ 8,826,661
Profit from SIP strategy
Analysis
For ₹9,800,000 loan at 8%, investing savings can generate ₹11,766,758.
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