EMI vs SIP for ₹9,700,000

6 Years @ 10%

Original Plan

6 Years @ 10%

EMI: ₹ 179,701

Extended Plan

11 Years (Reduced EMI)

EMI: ₹ 121,443

Monthly Savings

₹ 58,258

SIP Investment

@ 12% for 11 years

₹ 15,998,459

Extra Interest Paid

₹ 3,092,006

Final Outcome

₹ 12,906,453

Profit from SIP strategy

Analysis

For ₹9,700,000 loan at 10%, investing savings can generate ₹15,998,459.

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