EMI vs SIP for ₹9,700,000
15 Years @ 12%
Original Plan
15 Years @ 12%
EMI: ₹ 116,416
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 106,805
Monthly Savings
₹ 9,611
SIP Investment
@ 12% for 20 years
₹ 9,602,758
Extra Interest Paid
₹ 4,678,351
Final Outcome
₹ 4,924,407
Profit from SIP strategy
Analysis
For ₹9,700,000 loan at 12%, investing savings can generate ₹9,602,758.
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