EMI vs SIP for ₹4,900,000
13 Years @ 8%
Original Plan
13 Years @ 8%
EMI: ₹ 50,621
Extended Plan
18 Years (Reduced EMI)
EMI: ₹ 42,873
Monthly Savings
₹ 7,747
SIP Investment
@ 12% for 18 years
₹ 5,930,203
Extra Interest Paid
₹ 1,363,788
Final Outcome
₹ 4,566,416
Profit from SIP strategy
Analysis
For ₹4,900,000 loan at 8%, investing savings can generate ₹5,930,203.
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