EMI vs SIP for ₹4,800,000
30 Years @ 12%
Original Plan
30 Years @ 12%
EMI: ₹ 49,373
Extended Plan
35 Years (Reduced EMI)
EMI: ₹ 48,746
Monthly Savings
₹ 627
SIP Investment
@ 12% for 35 years
₹ 4,072,633
Extra Interest Paid
₹ 2,699,058
Final Outcome
₹ 1,373,575
Profit from SIP strategy
Analysis
For ₹4,800,000 loan at 12%, investing savings can generate ₹4,072,633.
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