EMI vs SIP for ₹4,700,000
30 Years @ 12%
Original Plan
30 Years @ 12%
EMI: ₹ 48,345
Extended Plan
35 Years (Reduced EMI)
EMI: ₹ 47,731
Monthly Savings
₹ 614
SIP Investment
@ 12% for 35 years
₹ 3,987,786
Extra Interest Paid
₹ 2,642,828
Final Outcome
₹ 1,344,959
Profit from SIP strategy
Analysis
For ₹4,700,000 loan at 12%, investing savings can generate ₹3,987,786.
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