EMI vs SIP for ₹4,500,000
16 Years @ 12%
Original Plan
16 Years @ 12%
EMI: ₹ 52,818
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 48,991
Monthly Savings
₹ 3,826
SIP Investment
@ 12% for 21 years
₹ 4,356,734
Extra Interest Paid
₹ 2,204,869
Final Outcome
₹ 2,151,866
Profit from SIP strategy
Analysis
For ₹4,500,000 loan at 12%, investing savings can generate ₹4,356,734.
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