EMI vs SIP for ₹4,900,000
5 Years @ 12%
Original Plan
5 Years @ 12%
EMI: ₹ 108,998
Extended Plan
10 Years (Reduced EMI)
EMI: ₹ 70,301
Monthly Savings
₹ 38,697
SIP Investment
@ 12% for 10 years
₹ 8,990,832
Extra Interest Paid
₹ 1,896,224
Final Outcome
₹ 7,094,608
Profit from SIP strategy
Analysis
For ₹4,900,000 loan at 12%, investing savings can generate ₹8,990,832.
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