EMI vs SIP for ₹4,500,000
30 Years @ 12%
Original Plan
30 Years @ 12%
EMI: ₹ 46,288
Extended Plan
35 Years (Reduced EMI)
EMI: ₹ 45,700
Monthly Savings
₹ 588
SIP Investment
@ 12% for 35 years
₹ 3,818,093
Extra Interest Paid
₹ 2,530,367
Final Outcome
₹ 1,287,726
Profit from SIP strategy
Analysis
For ₹4,500,000 loan at 12%, investing savings can generate ₹3,818,093.
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