EMI vs SIP for ₹9,800,000
21 Years @ 12%
Original Plan
21 Years @ 12%
EMI: ₹ 106,693
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 102,601
Monthly Savings
₹ 4,091
SIP Investment
@ 12% for 26 years
₹ 8,800,682
Extra Interest Paid
₹ 5,125,092
Final Outcome
₹ 3,675,590
Profit from SIP strategy
Analysis
For ₹9,800,000 loan at 12%, investing savings can generate ₹8,800,682.
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