EMI vs SIP for ₹4,900,000

14 Years @ 7%

Original Plan

14 Years @ 7%

EMI: ₹ 45,835

Extended Plan

19 Years (Reduced EMI)

EMI: ₹ 38,915

Monthly Savings

₹ 6,919

SIP Investment

@ 12% for 19 years

₹ 6,056,552

Extra Interest Paid

₹ 1,172,500

Final Outcome

₹ 4,884,052

Profit from SIP strategy

Analysis

For ₹4,900,000 loan at 7%, investing savings can generate ₹6,056,552.

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