EMI vs SIP for ₹4,500,000
23 Years @ 12%
Original Plan
23 Years @ 12%
EMI: ₹ 48,085
Extended Plan
28 Years (Reduced EMI)
EMI: ₹ 46,648
Monthly Savings
₹ 1,438
SIP Investment
@ 12% for 28 years
₹ 3,966,392
Extra Interest Paid
₹ 2,402,012
Final Outcome
₹ 1,564,379
Profit from SIP strategy
Analysis
For ₹4,500,000 loan at 12%, investing savings can generate ₹3,966,392.
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