EMI vs SIP for ₹4,900,000

22 Years @ 8%

Original Plan

22 Years @ 8%

EMI: ₹ 39,503

Extended Plan

27 Years (Reduced EMI)

EMI: ₹ 36,960

Monthly Savings

₹ 2,543

SIP Investment

@ 12% for 27 years

₹ 6,196,630

Extra Interest Paid

₹ 1,546,230

Final Outcome

₹ 4,650,401

Profit from SIP strategy

Analysis

For ₹4,900,000 loan at 8%, investing savings can generate ₹6,196,630.

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