EMI vs SIP for ₹4,600,000
16 Years @ 12%
Original Plan
16 Years @ 12%
EMI: ₹ 53,991
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 50,080
Monthly Savings
₹ 3,911
SIP Investment
@ 12% for 21 years
₹ 4,453,551
Extra Interest Paid
₹ 2,253,866
Final Outcome
₹ 2,199,685
Profit from SIP strategy
Analysis
For ₹4,600,000 loan at 12%, investing savings can generate ₹4,453,551.
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