EMI vs SIP for ₹9,700,000
23 Years @ 8%
Original Plan
23 Years @ 8%
EMI: ₹ 76,965
Extended Plan
28 Years (Reduced EMI)
EMI: ₹ 72,436
Monthly Savings
₹ 4,529
SIP Investment
@ 12% for 28 years
₹ 12,494,492
Extra Interest Paid
₹ 3,096,045
Final Outcome
₹ 9,398,447
Profit from SIP strategy
Analysis
For ₹9,700,000 loan at 8%, investing savings can generate ₹12,494,492.
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