EMI vs SIP for ₹9,800,000
8 Years @ 12%
Original Plan
8 Years @ 12%
EMI: ₹ 159,278
Extended Plan
13 Years (Reduced EMI)
EMI: ₹ 124,329
Monthly Savings
₹ 34,949
SIP Investment
@ 12% for 13 years
₹ 13,138,251
Extra Interest Paid
₹ 4,104,696
Final Outcome
₹ 9,033,555
Profit from SIP strategy
Analysis
For ₹9,800,000 loan at 12%, investing savings can generate ₹13,138,251.
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