EMI vs SIP for ₹9,600,000
20 Years @ 12%
Original Plan
20 Years @ 12%
EMI: ₹ 105,704
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 101,110
Monthly Savings
₹ 4,595
SIP Investment
@ 12% for 25 years
₹ 8,719,161
Extra Interest Paid
₹ 4,963,831
Final Outcome
₹ 3,755,330
Profit from SIP strategy
Analysis
For ₹9,600,000 loan at 12%, investing savings can generate ₹8,719,161.
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