EMI vs SIP for ₹4,900,000
24 Years @ 12%
Original Plan
24 Years @ 12%
EMI: ₹ 51,959
Extended Plan
29 Years (Reduced EMI)
EMI: ₹ 50,586
Monthly Savings
₹ 1,373
SIP Investment
@ 12% for 29 years
₹ 4,285,885
Extra Interest Paid
₹ 2,639,673
Final Outcome
₹ 1,646,212
Profit from SIP strategy
Analysis
For ₹4,900,000 loan at 12%, investing savings can generate ₹4,285,885.
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