EMI vs SIP for ₹9,900,000
20 Years @ 12%
Original Plan
20 Years @ 12%
EMI: ₹ 109,008
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 104,269
Monthly Savings
₹ 4,738
SIP Investment
@ 12% for 25 years
₹ 8,991,635
Extra Interest Paid
₹ 5,118,950
Final Outcome
₹ 3,872,684
Profit from SIP strategy
Analysis
For ₹9,900,000 loan at 12%, investing savings can generate ₹8,991,635.
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