EMI vs SIP for ₹4,900,000
7 Years @ 8%
Original Plan
7 Years @ 8%
EMI: ₹ 76,372
Extended Plan
12 Years (Reduced EMI)
EMI: ₹ 53,040
Monthly Savings
₹ 23,332
SIP Investment
@ 12% for 12 years
₹ 7,518,876
Extra Interest Paid
₹ 1,222,500
Final Outcome
₹ 6,296,376
Profit from SIP strategy
Analysis
For ₹4,900,000 loan at 8%, investing savings can generate ₹7,518,876.
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