EMI vs SIP for ₹9,700,000
8 Years @ 8%
Original Plan
8 Years @ 8%
EMI: ₹ 137,126
Extended Plan
13 Years (Reduced EMI)
EMI: ₹ 100,208
Monthly Savings
₹ 36,918
SIP Investment
@ 12% for 13 years
₹ 13,878,484
Extra Interest Paid
₹ 2,468,398
Final Outcome
₹ 11,410,086
Profit from SIP strategy
Analysis
For ₹9,700,000 loan at 8%, investing savings can generate ₹13,878,484.
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