EMI vs SIP for ₹4,600,000
29 Years @ 12%
Original Plan
29 Years @ 12%
EMI: ₹ 47,489
Extended Plan
34 Years (Reduced EMI)
EMI: ₹ 46,808
Monthly Savings
₹ 681
SIP Investment
@ 12% for 34 years
₹ 3,917,154
Extra Interest Paid
₹ 2,571,501
Final Outcome
₹ 1,345,654
Profit from SIP strategy
Analysis
For ₹4,600,000 loan at 12%, investing savings can generate ₹3,917,154.
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