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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