EMI vs SIP for ₹4,900,000
20 Years @ 8%
Original Plan
20 Years @ 8%
EMI: ₹ 40,986
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 37,819
Monthly Savings
₹ 3,167
SIP Investment
@ 12% for 25 years
₹ 6,008,992
Extra Interest Paid
₹ 1,509,163
Final Outcome
₹ 4,499,829
Profit from SIP strategy
Analysis
For ₹4,900,000 loan at 8%, investing savings can generate ₹6,008,992.
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