EMI vs SIP for ₹4,600,000
18 Years @ 12%
Original Plan
18 Years @ 12%
EMI: ₹ 52,070
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 49,154
Monthly Savings
₹ 2,916
SIP Investment
@ 12% for 23 years
₹ 4,295,042
Extra Interest Paid
₹ 2,319,441
Final Outcome
₹ 1,975,601
Profit from SIP strategy
Analysis
For ₹4,600,000 loan at 12%, investing savings can generate ₹4,295,042.
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