EMI vs SIP for ₹4,700,000

7 Years @ 10%

Original Plan

7 Years @ 10%

EMI: ₹ 78,026

Extended Plan

12 Years (Reduced EMI)

EMI: ₹ 56,169

Monthly Savings

₹ 21,857

SIP Investment

@ 12% for 12 years

₹ 7,043,429

Extra Interest Paid

₹ 1,534,142

Final Outcome

₹ 5,509,287

Profit from SIP strategy

Analysis

For ₹4,700,000 loan at 10%, investing savings can generate ₹7,043,429.

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