EMI vs SIP for ₹4,500,000
15 Years @ 9%
Original Plan
15 Years @ 9%
EMI: ₹ 45,642
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 40,488
Monthly Savings
₹ 5,154
SIP Investment
@ 12% for 20 years
₹ 5,149,936
Extra Interest Paid
₹ 1,501,481
Final Outcome
₹ 3,648,455
Profit from SIP strategy
Analysis
For ₹4,500,000 loan at 9%, investing savings can generate ₹5,149,936.
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