EMI vs SIP for ₹4,900,000
16 Years @ 10%
Original Plan
16 Years @ 10%
EMI: ₹ 51,249
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 46,588
Monthly Savings
₹ 4,661
SIP Investment
@ 12% for 21 years
₹ 5,307,331
Extra Interest Paid
₹ 1,900,386
Final Outcome
₹ 3,406,945
Profit from SIP strategy
Analysis
For ₹4,900,000 loan at 10%, investing savings can generate ₹5,307,331.
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