EMI vs SIP for ₹4,800,000

14 Years @ 9%

Original Plan

14 Years @ 9%

EMI: ₹ 50,349

Extended Plan

19 Years (Reduced EMI)

EMI: ₹ 44,011

Monthly Savings

₹ 6,338

SIP Investment

@ 12% for 19 years

₹ 5,547,773

Extra Interest Paid

₹ 1,575,886

Final Outcome

₹ 3,971,887

Profit from SIP strategy

Analysis

For ₹4,800,000 loan at 9%, investing savings can generate ₹5,547,773.

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