EMI vs SIP for ₹4,900,000
11 Years @ 10%
Original Plan
11 Years @ 10%
EMI: ₹ 61,347
Extended Plan
16 Years (Reduced EMI)
EMI: ₹ 51,249
Monthly Savings
₹ 10,098
SIP Investment
@ 12% for 16 years
₹ 5,870,876
Extra Interest Paid
₹ 1,741,989
Final Outcome
₹ 4,128,888
Profit from SIP strategy
Analysis
For ₹4,900,000 loan at 10%, investing savings can generate ₹5,870,876.
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