EMI vs SIP for ₹4,500,000
15 Years @ 12%
Original Plan
15 Years @ 12%
EMI: ₹ 54,008
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 49,549
Monthly Savings
₹ 4,459
SIP Investment
@ 12% for 20 years
₹ 4,454,888
Extra Interest Paid
₹ 2,170,369
Final Outcome
₹ 2,284,519
Profit from SIP strategy
Analysis
For ₹4,500,000 loan at 12%, investing savings can generate ₹4,454,888.
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