EMI vs SIP for ₹4,700,000

18 Years @ 11%

Original Plan

18 Years @ 11%

EMI: ₹ 50,057

Extended Plan

23 Years (Reduced EMI)

EMI: ₹ 46,859

Monthly Savings

₹ 3,198

SIP Investment

@ 12% for 23 years

₹ 4,710,774

Extra Interest Paid

₹ 2,120,804

Final Outcome

₹ 2,589,970

Profit from SIP strategy

Analysis

For ₹4,700,000 loan at 11%, investing savings can generate ₹4,710,774.

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