EMI vs SIP for ₹4,900,000
15 Years @ 12%
Original Plan
15 Years @ 12%
EMI: ₹ 58,808
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 53,953
Monthly Savings
₹ 4,855
SIP Investment
@ 12% for 20 years
₹ 4,850,878
Extra Interest Paid
₹ 2,363,291
Final Outcome
₹ 2,487,587
Profit from SIP strategy
Analysis
For ₹4,900,000 loan at 12%, investing savings can generate ₹4,850,878.
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