EMI vs SIP for ₹4,900,000

17 Years @ 7%

Original Plan

17 Years @ 7%

EMI: ₹ 41,143

Extended Plan

22 Years (Reduced EMI)

EMI: ₹ 36,428

Monthly Savings

₹ 4,716

SIP Investment

@ 12% for 22 years

₹ 6,110,915

Extra Interest Paid

₹ 1,223,686

Final Outcome

₹ 4,887,229

Profit from SIP strategy

Analysis

For ₹4,900,000 loan at 7%, investing savings can generate ₹6,110,915.

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