EMI vs SIP for ₹4,900,000
10 Years @ 9%
Original Plan
10 Years @ 9%
EMI: ₹ 62,071
Extended Plan
15 Years (Reduced EMI)
EMI: ₹ 49,699
Monthly Savings
₹ 12,372
SIP Investment
@ 12% for 15 years
₹ 6,242,648
Extra Interest Paid
₹ 1,497,296
Final Outcome
₹ 4,745,352
Profit from SIP strategy
Analysis
For ₹4,900,000 loan at 9%, investing savings can generate ₹6,242,648.
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