EMI vs SIP for ₹4,900,000
15 Years @ 8%
Original Plan
15 Years @ 8%
EMI: ₹ 46,827
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 40,986
Monthly Savings
₹ 5,841
SIP Investment
@ 12% for 20 years
₹ 5,836,411
Extra Interest Paid
₹ 1,407,684
Final Outcome
₹ 4,428,728
Profit from SIP strategy
Analysis
For ₹4,900,000 loan at 8%, investing savings can generate ₹5,836,411.
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