EMI vs SIP for ₹9,700,000
19 Years @ 12%
Original Plan
19 Years @ 12%
EMI: ₹ 108,192
Extended Plan
24 Years (Reduced EMI)
EMI: ₹ 102,857
Monthly Savings
₹ 5,335
SIP Investment
@ 12% for 24 years
₹ 8,924,399
Extra Interest Paid
₹ 4,954,959
Final Outcome
₹ 3,969,440
Profit from SIP strategy
Analysis
For ₹9,700,000 loan at 12%, investing savings can generate ₹8,924,399.
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