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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