EMI vs SIP for ₹9,900,000
20 Years @ 8%
Original Plan
20 Years @ 8%
EMI: ₹ 82,808
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 76,410
Monthly Savings
₹ 6,398
SIP Investment
@ 12% for 25 years
₹ 12,140,616
Extra Interest Paid
₹ 3,049,126
Final Outcome
₹ 9,091,490
Profit from SIP strategy
Analysis
For ₹9,900,000 loan at 8%, investing savings can generate ₹12,140,616.
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