EMI vs SIP for ₹9,700,000

21 Years @ 10%

Original Plan

21 Years @ 10%

EMI: ₹ 92,226

Extended Plan

26 Years (Reduced EMI)

EMI: ₹ 87,395

Monthly Savings

₹ 4,831

SIP Investment

@ 12% for 26 years

₹ 10,391,797

Extra Interest Paid

₹ 4,026,300

Final Outcome

₹ 6,365,497

Profit from SIP strategy

Analysis

For ₹9,700,000 loan at 10%, investing savings can generate ₹10,391,797.

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