EMI vs SIP for ₹9,800,000
20 Years @ 8%
Original Plan
20 Years @ 8%
EMI: ₹ 81,971
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 75,638
Monthly Savings
₹ 6,333
SIP Investment
@ 12% for 25 years
₹ 12,017,984
Extra Interest Paid
₹ 3,018,326
Final Outcome
₹ 8,999,657
Profit from SIP strategy
Analysis
For ₹9,800,000 loan at 8%, investing savings can generate ₹12,017,984.
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