EMI vs SIP for ₹9,900,000
18 Years @ 8%
Original Plan
18 Years @ 8%
EMI: ₹ 86,621
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 78,552
Monthly Savings
₹ 8,069
SIP Investment
@ 12% for 23 years
₹ 11,886,827
Extra Interest Paid
₹ 2,970,098
Final Outcome
₹ 8,916,729
Profit from SIP strategy
Analysis
For ₹9,900,000 loan at 8%, investing savings can generate ₹11,886,827.
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