EMI vs SIP for ₹4,900,000
15 Years @ 7%
Original Plan
15 Years @ 7%
EMI: ₹ 44,043
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 37,990
Monthly Savings
₹ 6,053
SIP Investment
@ 12% for 20 years
₹ 6,047,780
Extra Interest Paid
₹ 1,189,850
Final Outcome
₹ 4,857,930
Profit from SIP strategy
Analysis
For ₹4,900,000 loan at 7%, investing savings can generate ₹6,047,780.
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