EMI vs SIP for ₹4,900,000
18 Years @ 10%
Original Plan
18 Years @ 10%
EMI: ₹ 48,992
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 45,432
Monthly Savings
₹ 3,560
SIP Investment
@ 12% for 23 years
₹ 5,244,732
Extra Interest Paid
₹ 1,956,859
Final Outcome
₹ 3,287,873
Profit from SIP strategy
Analysis
For ₹4,900,000 loan at 10%, investing savings can generate ₹5,244,732.
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