EMI vs SIP for ₹9,800,000
26 Years @ 12%
Original Plan
26 Years @ 12%
EMI: ₹ 102,601
Extended Plan
31 Years (Reduced EMI)
EMI: ₹ 100,480
Monthly Savings
₹ 2,121
SIP Investment
@ 12% for 31 years
₹ 8,463,212
Extra Interest Paid
₹ 5,367,109
Final Outcome
₹ 3,096,103
Profit from SIP strategy
Analysis
For ₹9,800,000 loan at 12%, investing savings can generate ₹8,463,212.
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