EMI vs SIP for ₹4,600,000
20 Years @ 12%
Original Plan
20 Years @ 12%
EMI: ₹ 50,650
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 48,448
Monthly Savings
₹ 2,202
SIP Investment
@ 12% for 25 years
₹ 4,177,931
Extra Interest Paid
₹ 2,378,502
Final Outcome
₹ 1,799,429
Profit from SIP strategy
Analysis
For ₹4,600,000 loan at 12%, investing savings can generate ₹4,177,931.
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