EMI vs SIP for ₹9,700,000
23 Years @ 12%
Original Plan
23 Years @ 12%
EMI: ₹ 103,651
Extended Plan
28 Years (Reduced EMI)
EMI: ₹ 100,551
Monthly Savings
₹ 3,099
SIP Investment
@ 12% for 28 years
₹ 8,549,777
Extra Interest Paid
₹ 5,177,671
Final Outcome
₹ 3,372,106
Profit from SIP strategy
Analysis
For ₹9,700,000 loan at 12%, investing savings can generate ₹8,549,777.
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