EMI vs SIP for ₹9,700,000
18 Years @ 10%
Original Plan
18 Years @ 10%
EMI: ₹ 96,985
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 89,937
Monthly Savings
₹ 7,048
SIP Investment
@ 12% for 23 years
₹ 10,382,428
Extra Interest Paid
₹ 3,873,782
Final Outcome
₹ 6,508,646
Profit from SIP strategy
Analysis
For ₹9,700,000 loan at 10%, investing savings can generate ₹10,382,428.
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