EMI vs SIP for ₹4,900,000
13 Years @ 12%
Original Plan
13 Years @ 12%
EMI: ₹ 62,165
Extended Plan
18 Years (Reduced EMI)
EMI: ₹ 55,466
Monthly Savings
₹ 6,699
SIP Investment
@ 12% for 18 years
₹ 5,127,736
Extra Interest Paid
₹ 2,282,878
Final Outcome
₹ 2,844,857
Profit from SIP strategy
Analysis
For ₹4,900,000 loan at 12%, investing savings can generate ₹5,127,736.
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