EMI vs SIP for ₹9,800,000
24 Years @ 12%
Original Plan
24 Years @ 12%
EMI: ₹ 103,917
Extended Plan
29 Years (Reduced EMI)
EMI: ₹ 101,171
Monthly Savings
₹ 2,746
SIP Investment
@ 12% for 29 years
₹ 8,571,771
Extra Interest Paid
₹ 5,279,347
Final Outcome
₹ 3,292,424
Profit from SIP strategy
Analysis
For ₹9,800,000 loan at 12%, investing savings can generate ₹8,571,771.
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