EMI vs SIP for ₹4,900,000
16 Years @ 8%
Original Plan
16 Years @ 8%
EMI: ₹ 45,321
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 40,201
Monthly Savings
₹ 5,120
SIP Investment
@ 12% for 21 years
₹ 5,830,418
Extra Interest Paid
₹ 1,428,950
Final Outcome
₹ 4,401,468
Profit from SIP strategy
Analysis
For ₹4,900,000 loan at 8%, investing savings can generate ₹5,830,418.
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