EMI vs SIP for ₹4,900,000

9 Years @ 7%

Original Plan

9 Years @ 7%

EMI: ₹ 61,281

Extended Plan

14 Years (Reduced EMI)

EMI: ₹ 45,835

Monthly Savings

₹ 15,446

SIP Investment

@ 12% for 14 years

₹ 6,740,968

Extra Interest Paid

₹ 1,081,896

Final Outcome

₹ 5,659,072

Profit from SIP strategy

Analysis

For ₹4,900,000 loan at 7%, investing savings can generate ₹6,740,968.

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