EMI vs SIP for ₹4,900,000
8 Years @ 7%
Original Plan
8 Years @ 7%
EMI: ₹ 66,805
Extended Plan
13 Years (Reduced EMI)
EMI: ₹ 47,926
Monthly Savings
₹ 18,880
SIP Investment
@ 12% for 13 years
₹ 7,097,422
Extra Interest Paid
₹ 1,063,098
Final Outcome
₹ 6,034,324
Profit from SIP strategy
Analysis
For ₹4,900,000 loan at 7%, investing savings can generate ₹7,097,422.
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