EMI vs SIP for ₹9,700,000
18 Years @ 8%
Original Plan
18 Years @ 8%
EMI: ₹ 84,871
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 76,965
Monthly Savings
₹ 7,906
SIP Investment
@ 12% for 23 years
₹ 11,646,689
Extra Interest Paid
₹ 2,910,096
Final Outcome
₹ 8,736,593
Profit from SIP strategy
Analysis
For ₹9,700,000 loan at 8%, investing savings can generate ₹11,646,689.
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