EMI vs SIP for ₹4,500,000
5 Years @ 12%
Original Plan
5 Years @ 12%
EMI: ₹ 100,100
Extended Plan
10 Years (Reduced EMI)
EMI: ₹ 64,562
Monthly Savings
₹ 35,538
SIP Investment
@ 12% for 10 years
₹ 8,256,886
Extra Interest Paid
₹ 1,741,430
Final Outcome
₹ 6,515,456
Profit from SIP strategy
Analysis
For ₹4,500,000 loan at 12%, investing savings can generate ₹8,256,886.
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