EMI vs SIP for ₹4,900,000
30 Years @ 12%
Original Plan
30 Years @ 12%
EMI: ₹ 50,402
Extended Plan
35 Years (Reduced EMI)
EMI: ₹ 49,762
Monthly Savings
₹ 640
SIP Investment
@ 12% for 35 years
₹ 4,157,479
Extra Interest Paid
₹ 2,755,288
Final Outcome
₹ 1,402,191
Profit from SIP strategy
Analysis
For ₹4,900,000 loan at 12%, investing savings can generate ₹4,157,479.
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