EMI vs SIP for ₹4,500,000
25 Years @ 12%
Original Plan
25 Years @ 12%
EMI: ₹ 47,395
Extended Plan
30 Years (Reduced EMI)
EMI: ₹ 46,288
Monthly Savings
₹ 1,108
SIP Investment
@ 12% for 30 years
₹ 3,909,448
Extra Interest Paid
₹ 2,444,998
Final Outcome
₹ 1,464,450
Profit from SIP strategy
Analysis
For ₹4,500,000 loan at 12%, investing savings can generate ₹3,909,448.
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