EMI vs SIP for ₹4,800,000

24 Years @ 9%

Original Plan

24 Years @ 9%

EMI: ₹ 40,736

Extended Plan

29 Years (Reduced EMI)

EMI: ₹ 38,888

Monthly Savings

₹ 1,848

SIP Investment

@ 12% for 29 years

₹ 5,769,082

Extra Interest Paid

₹ 1,800,937

Final Outcome

₹ 3,968,146

Profit from SIP strategy

Analysis

For ₹4,800,000 loan at 9%, investing savings can generate ₹5,769,082.

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