EMI vs SIP for ₹4,900,000
25 Years @ 8%
Original Plan
25 Years @ 8%
EMI: ₹ 37,819
Extended Plan
30 Years (Reduced EMI)
EMI: ₹ 35,954
Monthly Savings
₹ 1,865
SIP Investment
@ 12% for 30 years
₹ 6,581,632
Extra Interest Paid
₹ 1,597,909
Final Outcome
₹ 4,983,724
Profit from SIP strategy
Analysis
For ₹4,900,000 loan at 8%, investing savings can generate ₹6,581,632.
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