EMI vs SIP for ₹9,800,000
30 Years @ 12%
Original Plan
30 Years @ 12%
EMI: ₹ 100,804
Extended Plan
35 Years (Reduced EMI)
EMI: ₹ 99,524
Monthly Savings
₹ 1,280
SIP Investment
@ 12% for 35 years
₹ 8,314,959
Extra Interest Paid
₹ 5,510,576
Final Outcome
₹ 2,804,382
Profit from SIP strategy
Analysis
For ₹9,800,000 loan at 12%, investing savings can generate ₹8,314,959.
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