EMI vs SIP for ₹4,900,000
27 Years @ 8%
Original Plan
27 Years @ 8%
EMI: ₹ 36,960
Extended Plan
32 Years (Reduced EMI)
EMI: ₹ 35,429
Monthly Savings
₹ 1,531
SIP Investment
@ 12% for 32 years
₹ 6,903,109
Extra Interest Paid
₹ 1,629,732
Final Outcome
₹ 5,273,377
Profit from SIP strategy
Analysis
For ₹4,900,000 loan at 8%, investing savings can generate ₹6,903,109.
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