EMI vs SIP for ₹9,800,000
29 Years @ 12%
Original Plan
29 Years @ 12%
EMI: ₹ 101,171
Extended Plan
34 Years (Reduced EMI)
EMI: ₹ 99,721
Monthly Savings
₹ 1,451
SIP Investment
@ 12% for 34 years
₹ 8,345,242
Extra Interest Paid
₹ 5,478,414
Final Outcome
₹ 2,866,827
Profit from SIP strategy
Analysis
For ₹9,800,000 loan at 12%, investing savings can generate ₹8,345,242.
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