EMI vs SIP for ₹9,700,000
8 Years @ 12%
Original Plan
8 Years @ 12%
EMI: ₹ 157,653
Extended Plan
13 Years (Reduced EMI)
EMI: ₹ 123,061
Monthly Savings
₹ 34,592
SIP Investment
@ 12% for 13 years
₹ 13,004,187
Extra Interest Paid
₹ 4,062,811
Final Outcome
₹ 8,941,376
Profit from SIP strategy
Analysis
For ₹9,700,000 loan at 12%, investing savings can generate ₹13,004,187.
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