EMI vs SIP for ₹4,600,000
25 Years @ 12%
Original Plan
25 Years @ 12%
EMI: ₹ 48,448
Extended Plan
30 Years (Reduced EMI)
EMI: ₹ 47,316
Monthly Savings
₹ 1,132
SIP Investment
@ 12% for 30 years
₹ 3,996,325
Extra Interest Paid
₹ 2,499,331
Final Outcome
₹ 1,496,994
Profit from SIP strategy
Analysis
For ₹4,600,000 loan at 12%, investing savings can generate ₹3,996,325.
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