EMI vs SIP for ₹4,900,000
30 Years @ 8%
Original Plan
30 Years @ 8%
EMI: ₹ 35,954
Extended Plan
35 Years (Reduced EMI)
EMI: ₹ 34,803
Monthly Savings
₹ 1,152
SIP Investment
@ 12% for 35 years
₹ 7,480,478
Extra Interest Paid
₹ 1,673,562
Final Outcome
₹ 5,806,917
Profit from SIP strategy
Analysis
For ₹4,900,000 loan at 8%, investing savings can generate ₹7,480,478.
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