EMI vs SIP for ₹4,500,000
29 Years @ 12%
Original Plan
29 Years @ 12%
EMI: ₹ 46,456
Extended Plan
34 Years (Reduced EMI)
EMI: ₹ 45,790
Monthly Savings
₹ 666
SIP Investment
@ 12% for 34 years
₹ 3,831,999
Extra Interest Paid
₹ 2,515,598
Final Outcome
₹ 1,316,400
Profit from SIP strategy
Analysis
For ₹4,500,000 loan at 12%, investing savings can generate ₹3,831,999.
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