EMI vs SIP for ₹9,800,000

26 Years @ 8%

Original Plan

26 Years @ 8%

EMI: ₹ 74,735

Extended Plan

31 Years (Reduced EMI)

EMI: ₹ 71,359

Monthly Savings

₹ 3,376

SIP Investment

@ 12% for 31 years

₹ 13,472,028

Extra Interest Paid

₹ 3,228,166

Final Outcome

₹ 10,243,862

Profit from SIP strategy

Analysis

For ₹9,800,000 loan at 8%, investing savings can generate ₹13,472,028.

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