EMI vs SIP for ₹4,600,000

7 Years @ 12%

Original Plan

7 Years @ 12%

EMI: ₹ 81,203

Extended Plan

12 Years (Reduced EMI)

EMI: ₹ 60,417

Monthly Savings

₹ 20,785

SIP Investment

@ 12% for 12 years

₹ 6,698,105

Extra Interest Paid

₹ 1,879,072

Final Outcome

₹ 4,819,033

Profit from SIP strategy

Analysis

For ₹4,600,000 loan at 12%, investing savings can generate ₹6,698,105.

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