EMI vs SIP for ₹4,900,000
18 Years @ 8%
Original Plan
18 Years @ 8%
EMI: ₹ 42,873
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 38,879
Monthly Savings
₹ 3,994
SIP Investment
@ 12% for 23 years
₹ 5,883,379
Extra Interest Paid
₹ 1,470,048
Final Outcome
₹ 4,413,330
Profit from SIP strategy
Analysis
For ₹4,900,000 loan at 8%, investing savings can generate ₹5,883,379.
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