EMI vs SIP for ₹4,900,000
8 Years @ 10%
Original Plan
8 Years @ 10%
EMI: ₹ 74,353
Extended Plan
13 Years (Reduced EMI)
EMI: ₹ 56,245
Monthly Savings
₹ 18,109
SIP Investment
@ 12% for 13 years
₹ 6,807,680
Extra Interest Paid
₹ 1,636,224
Final Outcome
₹ 5,171,456
Profit from SIP strategy
Analysis
For ₹4,900,000 loan at 10%, investing savings can generate ₹6,807,680.
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