EMI vs SIP for ₹4,900,000
21 Years @ 8%
Original Plan
21 Years @ 8%
EMI: ₹ 40,201
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 37,367
Monthly Savings
₹ 2,834
SIP Investment
@ 12% for 26 years
₹ 6,095,525
Extra Interest Paid
₹ 1,527,956
Final Outcome
₹ 4,567,570
Profit from SIP strategy
Analysis
For ₹4,900,000 loan at 8%, investing savings can generate ₹6,095,525.
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