EMI vs SIP for ₹4,500,000
10 Years @ 12%
Original Plan
10 Years @ 12%
EMI: ₹ 64,562
Extended Plan
15 Years (Reduced EMI)
EMI: ₹ 54,008
Monthly Savings
₹ 10,554
SIP Investment
@ 12% for 15 years
₹ 5,325,479
Extra Interest Paid
₹ 1,973,930
Final Outcome
₹ 3,351,549
Profit from SIP strategy
Analysis
For ₹4,500,000 loan at 12%, investing savings can generate ₹5,325,479.
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