EMI vs SIP for ₹4,900,000
21 Years @ 12%
Original Plan
21 Years @ 12%
EMI: ₹ 53,346
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 51,301
Monthly Savings
₹ 2,046
SIP Investment
@ 12% for 26 years
₹ 4,400,341
Extra Interest Paid
₹ 2,562,546
Final Outcome
₹ 1,837,795
Profit from SIP strategy
Analysis
For ₹4,900,000 loan at 12%, investing savings can generate ₹4,400,341.
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