EMI vs SIP for ₹4,900,000
13 Years @ 7%
Original Plan
13 Years @ 7%
EMI: ₹ 47,926
Extended Plan
18 Years (Reduced EMI)
EMI: ₹ 39,960
Monthly Savings
₹ 7,966
SIP Investment
@ 12% for 18 years
₹ 6,097,509
Extra Interest Paid
₹ 1,154,876
Final Outcome
₹ 4,942,633
Profit from SIP strategy
Analysis
For ₹4,900,000 loan at 7%, investing savings can generate ₹6,097,509.
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