EMI vs SIP for ₹4,600,000
22 Years @ 12%
Original Plan
22 Years @ 12%
EMI: ₹ 49,585
Extended Plan
27 Years (Reduced EMI)
EMI: ₹ 47,907
Monthly Savings
₹ 1,679
SIP Investment
@ 12% for 27 years
₹ 4,090,100
Extra Interest Paid
₹ 2,431,271
Final Outcome
₹ 1,658,829
Profit from SIP strategy
Analysis
For ₹4,600,000 loan at 12%, investing savings can generate ₹4,090,100.
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