EMI vs SIP for ₹4,600,000

12 Years @ 10%

Original Plan

12 Years @ 10%

EMI: ₹ 54,974

Extended Plan

17 Years (Reduced EMI)

EMI: ₹ 46,976

Monthly Savings

₹ 7,998

SIP Investment

@ 12% for 17 years

₹ 5,341,977

Extra Interest Paid

₹ 1,666,841

Final Outcome

₹ 3,675,136

Profit from SIP strategy

Analysis

For ₹4,600,000 loan at 10%, investing savings can generate ₹5,341,977.

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