EMI vs SIP for ₹4,600,000
8 Years @ 12%
Original Plan
8 Years @ 12%
EMI: ₹ 74,763
Extended Plan
13 Years (Reduced EMI)
EMI: ₹ 58,359
Monthly Savings
₹ 16,404
SIP Investment
@ 12% for 13 years
₹ 6,166,934
Extra Interest Paid
₹ 1,926,694
Final Outcome
₹ 4,240,240
Profit from SIP strategy
Analysis
For ₹4,600,000 loan at 12%, investing savings can generate ₹6,166,934.
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