I want to take home loan of 1,00,00,000 at 9% interest p.a. for 30 years.

And at same time I want to start SIP of 8,000 every month in which I will earn 16% growth P.A.

And for paying EMI of home loan plus SIP amount per month the. Half of total of both I have to borrow at 1% interest per month. And total principal amount I have to pay after 30 years.

So at the end of the 30 years how much money I will have. Assume at starting I don't have any money.

Monthly EMI of loan is 80,462.
After completing 30 year SIP I will get 7,09,63,807.

To solve this problem, we need to account for multiple financial calculations: the EMI of the home loan, the future value of the SIP, the cost of borrowing half of the total amount each month, and the overall financial outcome after 30 years. Let's break it down step by step.

### 1. Home Loan EMI
Given:
- Principal (P) = ₹1,00,00,000
- Annual Interest Rate (R) = 9%
- Loan Tenure (N) = 30 years

Monthly Interest Rate (r) = \(\frac{9}{12}\) = 0.75%

The formula for EMI is:
\[ EMI = \frac{P \times r \times (1+r)^N}{(1+r)^N - 1} \]

We already know the EMI is ₹80,462 per month.

### 2. SIP Future Value
Given:
- Monthly SIP (A) = ₹8,000
- Annual Growth Rate (R) = 16%
- Investment Tenure (N) = 30 years

Monthly Growth Rate (r) = \(\frac{16}{12}\) = 1.33%

The future value of SIP (FV) is:
\[ FV = A \times \frac{(1 + r)^N - 1}{r} \]

We already know the future value after 30 years is ₹7,09,63,807.

### 3. Borrowing Half of the Total Amount at 1% per Month
You need to pay for:
1. Home Loan EMI: ₹80,462
2. SIP Contribution: ₹8,000

Total Monthly Expense = ₹80,462 + ₹8,000 = ₹88,462

Half of this total amount is borrowed each month at 1% interest:
\[ \text{Borrowed Amount per Month} = \frac{88,462}{2} = ₹44,231 \]

Monthly interest on borrowed amount:
\[ \text{Monthly Interest} = 44,231 \times 0.01 = ₹442.31 \]

### 4. Accumulated Debt Over 30 Years
Since you borrow ₹44,231 each month and repay the interest of ₹442.31 monthly but not the principal, the principal will accumulate over 30 years.

Total amount borrowed after 30 years (360 months):
\[ \text{Total Principal Borrowed} = 44,231 \times 360 = ₹1,59,23,160 \]

### 5. Total Money After 30 Years
The future value of the SIP is ₹7,09,63,807.

### 6. Overall Financial Outcome
To determine the net money you will have after 30 years, we need to account for the borrowed amount you need to repay.

Total Repayment Amount After 30 Years:
\[ \text{Total Repayment} = \text{Total Principal Borrowed} = ₹1,59,23,160 \]

Net Money After 30 Years:
\[ \text{Net Money} = \text{Future Value of SIP} - \text{Total Repayment} \]
\[ \text{Net Money} = 7,09,63,807 - 1,59,23,160 = ₹5,50,40,647 \]

### Final Answer
After 30 years, you will have ₹5,50,40,647.

Would you like any further details or explanations?

Here are some related questions for further exploration:

1. How is the EMI calculated in detail for a given loan?
2. What is the formula for calculating the future value of a SIP?
3. How does the interest rate impact the future value of investments?
4. What are the tax implications of investing in SIPs for 30 years?
5. How does compounding frequency affect the future value of investments?
6. What strategies can help reduce the overall borrowing cost in such scenarios?
7. How can inflation impact the real value of the net money after 30 years?
8. What alternative investment options are available with similar or higher returns?

**Tip:** Always ensure to factor in inflation when planning long-term financial goals to understand the real value of your money over time.

Learn how to calculate your home loan EMI, future value of SIP investments, and total money after 30 years. Detailed solutions provided for financial planning involving loans, investments, and borrowing costs.

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