EMI vs SIP for ₹4,900,000
8 Years @ 8%
Original Plan
8 Years @ 8%
EMI: ₹ 69,270
Extended Plan
13 Years (Reduced EMI)
EMI: ₹ 50,621
Monthly Savings
₹ 18,649
SIP Investment
@ 12% for 13 years
₹ 7,010,781
Extra Interest Paid
₹ 1,246,923
Final Outcome
₹ 5,763,858
Profit from SIP strategy
Analysis
For ₹4,900,000 loan at 8%, investing savings can generate ₹7,010,781.
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