EMI vs SIP for ₹4,500,000
15 Years @ 7%
Original Plan
15 Years @ 7%
EMI: ₹ 40,447
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 34,888
Monthly Savings
₹ 5,559
SIP Investment
@ 12% for 20 years
₹ 5,554,084
Extra Interest Paid
₹ 1,092,720
Final Outcome
₹ 4,461,364
Profit from SIP strategy
Analysis
For ₹4,500,000 loan at 7%, investing savings can generate ₹5,554,084.
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