EMI vs SIP for ₹9,900,000
18 Years @ 12%
Original Plan
18 Years @ 12%
EMI: ₹ 112,063
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 105,788
Monthly Savings
₹ 6,275
SIP Investment
@ 12% for 23 years
₹ 9,243,677
Extra Interest Paid
₹ 4,991,840
Final Outcome
₹ 4,251,837
Profit from SIP strategy
Analysis
For ₹9,900,000 loan at 12%, investing savings can generate ₹9,243,677.
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