EMI vs SIP for ₹4,700,000

12 Years @ 8%

Original Plan

12 Years @ 8%

EMI: ₹ 50,875

Extended Plan

17 Years (Reduced EMI)

EMI: ₹ 42,218

Monthly Savings

₹ 8,657

SIP Investment

@ 12% for 17 years

₹ 5,782,324

Extra Interest Paid

₹ 1,286,448

Final Outcome

₹ 4,495,877

Profit from SIP strategy

Analysis

For ₹4,700,000 loan at 8%, investing savings can generate ₹5,782,324.

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