EMI vs SIP for ₹9,800,000

26 Years @ 7%

Original Plan

26 Years @ 7%

EMI: ₹ 68,290

Extended Plan

31 Years (Reduced EMI)

EMI: ₹ 64,588

Monthly Savings

₹ 3,702

SIP Investment

@ 12% for 31 years

₹ 14,773,653

Extra Interest Paid

₹ 2,720,151

Final Outcome

₹ 12,053,502

Profit from SIP strategy

Analysis

For ₹9,800,000 loan at 7%, investing savings can generate ₹14,773,653.

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