EMI vs SIP for ₹9,700,000
7 Years @ 8%
Original Plan
7 Years @ 8%
EMI: ₹ 151,186
Extended Plan
12 Years (Reduced EMI)
EMI: ₹ 104,998
Monthly Savings
₹ 46,188
SIP Investment
@ 12% for 12 years
₹ 14,884,306
Extra Interest Paid
₹ 2,420,050
Final Outcome
₹ 12,464,255
Profit from SIP strategy
Analysis
For ₹9,700,000 loan at 8%, investing savings can generate ₹14,884,306.
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