EMI vs SIP for ₹4,700,000
8 Years @ 12%
Original Plan
8 Years @ 12%
EMI: ₹ 76,388
Extended Plan
13 Years (Reduced EMI)
EMI: ₹ 59,627
Monthly Savings
₹ 16,761
SIP Investment
@ 12% for 13 years
₹ 6,300,998
Extra Interest Paid
₹ 1,968,579
Final Outcome
₹ 4,332,419
Profit from SIP strategy
Analysis
For ₹4,700,000 loan at 12%, investing savings can generate ₹6,300,998.
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