EMI vs SIP for ₹4,900,000
5 Years @ 8%
Original Plan
5 Years @ 8%
EMI: ₹ 99,354
Extended Plan
10 Years (Reduced EMI)
EMI: ₹ 59,451
Monthly Savings
₹ 39,904
SIP Investment
@ 12% for 10 years
₹ 9,271,215
Extra Interest Paid
₹ 1,172,803
Final Outcome
₹ 8,098,412
Profit from SIP strategy
Analysis
For ₹4,900,000 loan at 8%, investing savings can generate ₹9,271,215.
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