EMI vs SIP for ₹4,500,000
8 Years @ 12%
Original Plan
8 Years @ 12%
EMI: ₹ 73,138
Extended Plan
13 Years (Reduced EMI)
EMI: ₹ 57,090
Monthly Savings
₹ 16,048
SIP Investment
@ 12% for 13 years
₹ 6,032,870
Extra Interest Paid
₹ 1,884,809
Final Outcome
₹ 4,148,061
Profit from SIP strategy
Analysis
For ₹4,500,000 loan at 12%, investing savings can generate ₹6,032,870.
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