EMI vs SIP for ₹4,500,000

9 Years @ 12%

Original Plan

9 Years @ 12%

EMI: ₹ 68,329

Extended Plan

14 Years (Reduced EMI)

EMI: ₹ 55,414

Monthly Savings

₹ 12,915

SIP Investment

@ 12% for 14 years

₹ 5,636,215

Extra Interest Paid

₹ 1,930,070

Final Outcome

₹ 3,706,145

Profit from SIP strategy

Analysis

For ₹4,500,000 loan at 12%, investing savings can generate ₹5,636,215.

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