EMI vs SIP for ₹4,900,000

12 Years @ 7%

Original Plan

12 Years @ 7%

EMI: ₹ 50,391

Extended Plan

17 Years (Reduced EMI)

EMI: ₹ 41,143

Monthly Savings

₹ 9,247

SIP Investment

@ 12% for 17 years

₹ 6,176,465

Extra Interest Paid

₹ 1,136,991

Final Outcome

₹ 5,039,475

Profit from SIP strategy

Analysis

For ₹4,900,000 loan at 7%, investing savings can generate ₹6,176,465.

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