EMI vs SIP for ₹4,900,000
10 Years @ 12%
Original Plan
10 Years @ 12%
EMI: ₹ 70,301
Extended Plan
15 Years (Reduced EMI)
EMI: ₹ 58,808
Monthly Savings
₹ 11,493
SIP Investment
@ 12% for 15 years
₹ 5,798,855
Extra Interest Paid
₹ 2,149,391
Final Outcome
₹ 3,649,464
Profit from SIP strategy
Analysis
For ₹4,900,000 loan at 12%, investing savings can generate ₹5,798,855.
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