EMI vs SIP for ₹9,700,000
25 Years @ 8%
Original Plan
25 Years @ 8%
EMI: ₹ 74,866
Extended Plan
30 Years (Reduced EMI)
EMI: ₹ 71,175
Monthly Savings
₹ 3,691
SIP Investment
@ 12% for 30 years
₹ 13,028,946
Extra Interest Paid
₹ 3,163,207
Final Outcome
₹ 9,865,739
Profit from SIP strategy
Analysis
For ₹9,700,000 loan at 8%, investing savings can generate ₹13,028,946.
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