EMI vs SIP for ₹9,800,000

7 Years @ 12%

Original Plan

7 Years @ 12%

EMI: ₹ 172,997

Extended Plan

12 Years (Reduced EMI)

EMI: ₹ 128,715

Monthly Savings

₹ 44,282

SIP Investment

@ 12% for 12 years

₹ 14,269,876

Extra Interest Paid

₹ 4,003,241

Final Outcome

₹ 10,266,635

Profit from SIP strategy

Analysis

For ₹9,800,000 loan at 12%, investing savings can generate ₹14,269,876.

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