EMI vs SIP for ₹9,900,000
21 Years @ 12%
Original Plan
21 Years @ 12%
EMI: ₹ 107,781
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 103,648
Monthly Savings
₹ 4,133
SIP Investment
@ 12% for 26 years
₹ 8,890,485
Extra Interest Paid
₹ 5,177,389
Final Outcome
₹ 3,713,096
Profit from SIP strategy
Analysis
For ₹9,900,000 loan at 12%, investing savings can generate ₹8,890,485.
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