EMI vs SIP for ₹4,500,000
7 Years @ 12%
Original Plan
7 Years @ 12%
EMI: ₹ 79,437
Extended Plan
12 Years (Reduced EMI)
EMI: ₹ 59,104
Monthly Savings
₹ 20,333
SIP Investment
@ 12% for 12 years
₹ 6,552,494
Extra Interest Paid
₹ 1,838,223
Final Outcome
₹ 4,714,271
Profit from SIP strategy
Analysis
For ₹4,500,000 loan at 12%, investing savings can generate ₹6,552,494.
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