EMI vs SIP for ₹4,900,000

8 Years @ 7%

Original Plan

8 Years @ 7%

EMI: ₹ 66,805

Extended Plan

13 Years (Reduced EMI)

EMI: ₹ 47,926

Monthly Savings

₹ 18,880

SIP Investment

@ 12% for 13 years

₹ 7,097,422

Extra Interest Paid

₹ 1,063,098

Final Outcome

₹ 6,034,324

Profit from SIP strategy

Analysis

For ₹4,900,000 loan at 7%, investing savings can generate ₹7,097,422.

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