EMI vs SIP for ₹9,700,000

7 Years @ 10%

Original Plan

7 Years @ 10%

EMI: ₹ 161,031

Extended Plan

12 Years (Reduced EMI)

EMI: ₹ 115,923

Monthly Savings

₹ 45,109

SIP Investment

@ 12% for 12 years

₹ 14,536,439

Extra Interest Paid

₹ 3,166,208

Final Outcome

₹ 11,370,231

Profit from SIP strategy

Analysis

For ₹9,700,000 loan at 10%, investing savings can generate ₹14,536,439.

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