EMI vs SIP for ₹4,500,000

26 Years @ 12%

Original Plan

26 Years @ 12%

EMI: ₹ 47,113

Extended Plan

31 Years (Reduced EMI)

EMI: ₹ 46,139

Monthly Savings

₹ 974

SIP Investment

@ 12% for 31 years

₹ 3,886,169

Extra Interest Paid

₹ 2,464,489

Final Outcome

₹ 1,421,680

Profit from SIP strategy

Analysis

For ₹4,500,000 loan at 12%, investing savings can generate ₹3,886,169.

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