EMI vs SIP for ₹9,800,000
20 Years @ 7%
Original Plan
20 Years @ 7%
EMI: ₹ 75,979
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 69,264
Monthly Savings
₹ 6,715
SIP Investment
@ 12% for 25 years
₹ 12,742,495
Extra Interest Paid
₹ 2,544,277
Final Outcome
₹ 10,198,218
Profit from SIP strategy
Analysis
For ₹9,800,000 loan at 7%, investing savings can generate ₹12,742,495.
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