EMI vs SIP for ₹4,500,000
22 Years @ 12%
Original Plan
22 Years @ 12%
EMI: ₹ 48,507
Extended Plan
27 Years (Reduced EMI)
EMI: ₹ 46,865
Monthly Savings
₹ 1,642
SIP Investment
@ 12% for 27 years
₹ 4,001,185
Extra Interest Paid
₹ 2,378,417
Final Outcome
₹ 1,622,768
Profit from SIP strategy
Analysis
For ₹4,500,000 loan at 12%, investing savings can generate ₹4,001,185.
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