EMI vs SIP for ₹9,700,000
11 Years @ 8%
Original Plan
11 Years @ 8%
EMI: ₹ 110,730
Extended Plan
16 Years (Reduced EMI)
EMI: ₹ 89,718
Monthly Savings
₹ 21,012
SIP Investment
@ 12% for 16 years
₹ 12,215,981
Extra Interest Paid
₹ 2,609,466
Final Outcome
₹ 9,606,515
Profit from SIP strategy
Analysis
For ₹9,700,000 loan at 8%, investing savings can generate ₹12,215,981.
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