EMI vs SIP for ₹4,900,000
6 Years @ 8%
Original Plan
6 Years @ 8%
EMI: ₹ 85,913
Extended Plan
11 Years (Reduced EMI)
EMI: ₹ 55,936
Monthly Savings
₹ 29,977
SIP Investment
@ 12% for 11 years
₹ 8,232,180
Extra Interest Paid
₹ 1,197,784
Final Outcome
₹ 7,034,397
Profit from SIP strategy
Analysis
For ₹4,900,000 loan at 8%, investing savings can generate ₹8,232,180.
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