EMI vs SIP for ₹4,900,000
6 Years @ 7%
Original Plan
6 Years @ 7%
EMI: ₹ 83,540
Extended Plan
11 Years (Reduced EMI)
EMI: ₹ 53,332
Monthly Savings
₹ 30,208
SIP Investment
@ 12% for 11 years
₹ 8,295,575
Extra Interest Paid
₹ 1,024,947
Final Outcome
₹ 7,270,628
Profit from SIP strategy
Analysis
For ₹4,900,000 loan at 7%, investing savings can generate ₹8,295,575.
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