EMI vs SIP for ₹4,900,000
18 Years @ 7%
Original Plan
18 Years @ 7%
EMI: ₹ 39,960
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 35,766
Monthly Savings
₹ 4,194
SIP Investment
@ 12% for 23 years
₹ 6,177,361
Extra Interest Paid
₹ 1,240,153
Final Outcome
₹ 4,937,208
Profit from SIP strategy
Analysis
For ₹4,900,000 loan at 7%, investing savings can generate ₹6,177,361.
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