EMI vs SIP for ₹4,600,000

16 Years @ 9%

Original Plan

16 Years @ 9%

EMI: ₹ 45,288

Extended Plan

21 Years (Reduced EMI)

EMI: ₹ 40,691

Monthly Savings

₹ 4,597

SIP Investment

@ 12% for 21 years

₹ 5,234,488

Extra Interest Paid

₹ 1,558,819

Final Outcome

₹ 3,675,668

Profit from SIP strategy

Analysis

For ₹4,600,000 loan at 9%, investing savings can generate ₹5,234,488.

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