EMI vs SIP for ₹4,900,000
24 Years @ 8%
Original Plan
24 Years @ 8%
EMI: ₹ 38,321
Extended Plan
29 Years (Reduced EMI)
EMI: ₹ 36,257
Monthly Savings
₹ 2,063
SIP Investment
@ 12% for 29 years
₹ 6,440,101
Extra Interest Paid
₹ 1,581,208
Final Outcome
₹ 4,858,892
Profit from SIP strategy
Analysis
For ₹4,900,000 loan at 8%, investing savings can generate ₹6,440,101.
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