EMI vs SIP for ₹4,900,000
15 Years @ 9%
Original Plan
15 Years @ 9%
EMI: ₹ 49,699
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 44,087
Monthly Savings
₹ 5,612
SIP Investment
@ 12% for 20 years
₹ 5,607,708
Extra Interest Paid
₹ 1,634,946
Final Outcome
₹ 3,972,763
Profit from SIP strategy
Analysis
For ₹4,900,000 loan at 9%, investing savings can generate ₹5,607,708.
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