EMI vs SIP for ₹4,900,000
29 Years @ 7%
Original Plan
29 Years @ 7%
EMI: ₹ 32,934
Extended Plan
34 Years (Reduced EMI)
EMI: ₹ 31,521
Monthly Savings
₹ 1,414
SIP Investment
@ 12% for 34 years
₹ 8,131,800
Extra Interest Paid
₹ 1,399,344
Final Outcome
₹ 6,732,456
Profit from SIP strategy
Analysis
For ₹4,900,000 loan at 7%, investing savings can generate ₹8,131,800.
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