EMI vs SIP for ₹4,900,000
6 Years @ 12%
Original Plan
6 Years @ 12%
EMI: ₹ 95,796
Extended Plan
11 Years (Reduced EMI)
EMI: ₹ 67,022
Monthly Savings
₹ 28,774
SIP Investment
@ 12% for 11 years
₹ 7,901,859
Extra Interest Paid
₹ 1,949,544
Final Outcome
₹ 5,952,315
Profit from SIP strategy
Analysis
For ₹4,900,000 loan at 12%, investing savings can generate ₹7,901,859.
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