EMI vs SIP for ₹4,900,000

12 Years @ 8%

Original Plan

12 Years @ 8%

EMI: ₹ 53,040

Extended Plan

17 Years (Reduced EMI)

EMI: ₹ 44,015

Monthly Savings

₹ 9,026

SIP Investment

@ 12% for 17 years

₹ 6,028,380

Extra Interest Paid

₹ 1,341,190

Final Outcome

₹ 4,687,190

Profit from SIP strategy

Analysis

For ₹4,900,000 loan at 8%, investing savings can generate ₹6,028,380.

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