EMI vs SIP for ₹9,800,000
21 Years @ 8%
Original Plan
21 Years @ 8%
EMI: ₹ 80,402
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 74,735
Monthly Savings
₹ 5,667
SIP Investment
@ 12% for 26 years
₹ 12,191,050
Extra Interest Paid
₹ 3,055,911
Final Outcome
₹ 9,135,139
Profit from SIP strategy
Analysis
For ₹9,800,000 loan at 8%, investing savings can generate ₹12,191,050.
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