EMI vs SIP for ₹4,900,000
21 Years @ 7%
Original Plan
21 Years @ 7%
EMI: ₹ 37,165
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 34,145
Monthly Savings
₹ 3,020
SIP Investment
@ 12% for 26 years
₹ 6,496,516
Extra Interest Paid
₹ 1,287,644
Final Outcome
₹ 5,208,872
Profit from SIP strategy
Analysis
For ₹4,900,000 loan at 7%, investing savings can generate ₹6,496,516.
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