EMI vs SIP for ₹4,900,000
29 Years @ 12%
Original Plan
29 Years @ 12%
EMI: ₹ 50,586
Extended Plan
34 Years (Reduced EMI)
EMI: ₹ 49,860
Monthly Savings
₹ 725
SIP Investment
@ 12% for 34 years
₹ 4,172,621
Extra Interest Paid
₹ 2,739,207
Final Outcome
₹ 1,433,414
Profit from SIP strategy
Analysis
For ₹4,900,000 loan at 12%, investing savings can generate ₹4,172,621.
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