EMI vs SIP for ₹4,500,000
20 Years @ 12%
Original Plan
20 Years @ 12%
EMI: ₹ 49,549
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 47,395
Monthly Savings
₹ 2,154
SIP Investment
@ 12% for 25 years
₹ 4,087,107
Extra Interest Paid
₹ 2,326,796
Final Outcome
₹ 1,760,311
Profit from SIP strategy
Analysis
For ₹4,500,000 loan at 12%, investing savings can generate ₹4,087,107.
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