EMI vs SIP for ₹4,900,000
23 Years @ 12%
Original Plan
23 Years @ 12%
EMI: ₹ 52,360
Extended Plan
28 Years (Reduced EMI)
EMI: ₹ 50,794
Monthly Savings
₹ 1,566
SIP Investment
@ 12% for 28 years
₹ 4,318,960
Extra Interest Paid
₹ 2,615,525
Final Outcome
₹ 1,703,435
Profit from SIP strategy
Analysis
For ₹4,900,000 loan at 12%, investing savings can generate ₹4,318,960.
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