EMI vs SIP for ₹4,900,000
10 Years @ 8%
Original Plan
10 Years @ 8%
EMI: ₹ 59,451
Extended Plan
15 Years (Reduced EMI)
EMI: ₹ 46,827
Monthly Savings
₹ 12,624
SIP Investment
@ 12% for 15 years
₹ 6,369,550
Extra Interest Paid
₹ 1,294,789
Final Outcome
₹ 5,074,761
Profit from SIP strategy
Analysis
For ₹4,900,000 loan at 8%, investing savings can generate ₹6,369,550.
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