EMI vs SIP for ₹4,900,000

7 Years @ 10%

Original Plan

7 Years @ 10%

EMI: ₹ 81,346

Extended Plan

12 Years (Reduced EMI)

EMI: ₹ 58,559

Monthly Savings

₹ 22,787

SIP Investment

@ 12% for 12 years

₹ 7,343,150

Extra Interest Paid

₹ 1,599,425

Final Outcome

₹ 5,743,725

Profit from SIP strategy

Analysis

For ₹4,900,000 loan at 10%, investing savings can generate ₹7,343,150.

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