EMI vs SIP for ₹9,800,000

16 Years @ 10%

Original Plan

16 Years @ 10%

EMI: ₹ 102,498

Extended Plan

21 Years (Reduced EMI)

EMI: ₹ 93,176

Monthly Savings

₹ 9,322

SIP Investment

@ 12% for 21 years

₹ 10,614,662

Extra Interest Paid

₹ 3,800,772

Final Outcome

₹ 6,813,890

Profit from SIP strategy

Analysis

For ₹9,800,000 loan at 10%, investing savings can generate ₹10,614,662.

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