EMI vs SIP for ₹4,800,000

10 Years @ 7%

Original Plan

10 Years @ 7%

EMI: ₹ 55,732

Extended Plan

15 Years (Reduced EMI)

EMI: ₹ 43,144

Monthly Savings

₹ 12,588

SIP Investment

@ 12% for 15 years

₹ 6,351,761

Extra Interest Paid

₹ 1,078,028

Final Outcome

₹ 5,273,733

Profit from SIP strategy

Analysis

For ₹4,800,000 loan at 7%, investing savings can generate ₹6,351,761.

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