EMI vs SIP for ₹9,900,000
24 Years @ 12%
Original Plan
24 Years @ 12%
EMI: ₹ 104,978
Extended Plan
29 Years (Reduced EMI)
EMI: ₹ 102,204
Monthly Savings
₹ 2,774
SIP Investment
@ 12% for 29 years
₹ 8,659,238
Extra Interest Paid
₹ 5,333,218
Final Outcome
₹ 3,326,020
Profit from SIP strategy
Analysis
For ₹9,900,000 loan at 12%, investing savings can generate ₹8,659,238.
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