EMI vs SIP for ₹9,700,000
26 Years @ 12%
Original Plan
26 Years @ 12%
EMI: ₹ 101,554
Extended Plan
31 Years (Reduced EMI)
EMI: ₹ 99,455
Monthly Savings
₹ 2,099
SIP Investment
@ 12% for 31 years
₹ 8,376,853
Extra Interest Paid
₹ 5,312,343
Final Outcome
₹ 3,064,510
Profit from SIP strategy
Analysis
For ₹9,700,000 loan at 12%, investing savings can generate ₹8,376,853.
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