EMI vs SIP for ₹4,900,000
12 Years @ 8%
Original Plan
12 Years @ 8%
EMI: ₹ 53,040
Extended Plan
17 Years (Reduced EMI)
EMI: ₹ 44,015
Monthly Savings
₹ 9,026
SIP Investment
@ 12% for 17 years
₹ 6,028,380
Extra Interest Paid
₹ 1,341,190
Final Outcome
₹ 4,687,190
Profit from SIP strategy
Analysis
For ₹4,900,000 loan at 8%, investing savings can generate ₹6,028,380.
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