EMI vs SIP for ₹9,800,000

23 Years @ 7%

Original Plan

23 Years @ 7%

EMI: ₹ 71,532

Extended Plan

28 Years (Reduced EMI)

EMI: ₹ 66,602

Monthly Savings

₹ 4,930

SIP Investment

@ 12% for 28 years

₹ 13,601,035

Extra Interest Paid

₹ 2,635,297

Final Outcome

₹ 10,965,738

Profit from SIP strategy

Analysis

For ₹9,800,000 loan at 7%, investing savings can generate ₹13,601,035.

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