EMI vs SIP for ₹4,900,000
29 Years @ 8%
Original Plan
29 Years @ 8%
EMI: ₹ 36,257
Extended Plan
34 Years (Reduced EMI)
EMI: ₹ 34,993
Monthly Savings
₹ 1,265
SIP Investment
@ 12% for 34 years
₹ 7,275,294
Extra Interest Paid
₹ 1,659,467
Final Outcome
₹ 5,615,826
Profit from SIP strategy
Analysis
For ₹4,900,000 loan at 8%, investing savings can generate ₹7,275,294.
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