EMI vs SIP for ₹4,900,000
16 Years @ 12%
Original Plan
16 Years @ 12%
EMI: ₹ 57,513
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 53,346
Monthly Savings
₹ 4,166
SIP Investment
@ 12% for 21 years
₹ 4,744,000
Extra Interest Paid
₹ 2,400,857
Final Outcome
₹ 2,343,142
Profit from SIP strategy
Analysis
For ₹4,900,000 loan at 12%, investing savings can generate ₹4,744,000.
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