EMI vs SIP for ₹4,500,000
26 Years @ 12%
Original Plan
26 Years @ 12%
EMI: ₹ 47,113
Extended Plan
31 Years (Reduced EMI)
EMI: ₹ 46,139
Monthly Savings
₹ 974
SIP Investment
@ 12% for 31 years
₹ 3,886,169
Extra Interest Paid
₹ 2,464,489
Final Outcome
₹ 1,421,680
Profit from SIP strategy
Analysis
For ₹4,500,000 loan at 12%, investing savings can generate ₹3,886,169.
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