EMI vs SIP for ₹9,700,000
8 Years @ 10%
Original Plan
8 Years @ 10%
EMI: ₹ 147,189
Extended Plan
13 Years (Reduced EMI)
EMI: ₹ 111,341
Monthly Savings
₹ 35,848
SIP Investment
@ 12% for 13 years
₹ 13,476,427
Extra Interest Paid
₹ 3,239,056
Final Outcome
₹ 10,237,372
Profit from SIP strategy
Analysis
For ₹9,700,000 loan at 10%, investing savings can generate ₹13,476,427.
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