EMI vs SIP for ₹4,600,000
21 Years @ 12%
Original Plan
21 Years @ 12%
EMI: ₹ 50,080
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 48,160
Monthly Savings
₹ 1,920
SIP Investment
@ 12% for 26 years
₹ 4,130,932
Extra Interest Paid
₹ 2,405,655
Final Outcome
₹ 1,725,277
Profit from SIP strategy
Analysis
For ₹4,600,000 loan at 12%, investing savings can generate ₹4,130,932.
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