EMI vs SIP for ₹4,800,000

24 Years @ 10%

Original Plan

24 Years @ 10%

EMI: ₹ 44,035

Extended Plan

29 Years (Reduced EMI)

EMI: ₹ 42,359

Monthly Savings

₹ 1,676

SIP Investment

@ 12% for 29 years

₹ 5,230,468

Extra Interest Paid

₹ 2,058,915

Final Outcome

₹ 3,171,553

Profit from SIP strategy

Analysis

For ₹4,800,000 loan at 10%, investing savings can generate ₹5,230,468.

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